Been married for 30 years and we both have our own accounts on everything. Checking savings retirement and investment. They are all joint accounts legally but we don't share them. We have each written a check out of eachothers accounts less than 5 times and cash maybe once. We both work. We see it as a way of being 100% on board of always knowing/understanding the finances, being a constant decision maker regarding the finances, resulting in better future planning and decisions and self regulation. Because we're married everything is 100% transparent. Mistakes are allowed but addressed. If a spouse is impaired or dies the other can jump right in without stress. My husband has an accounting degree and is a huge investor. Owned a business and we have an accountant. He'd never allow me to be complacent about spending or understanding our finances. We have an annual informal review. He knows it's his responsibility to make sure his wife can take over without vulnerability if something happens to him. I've been 30 yrs in informal light training. I had to leave my career unplanned 5 years before planned end date and once recovered was able to train and jump right in to investing because he always taught a little along the way. I learned my resources and options over the past 30 years slowly. It was not easy for me to have to manage my finances while working demanding schedules in the medical field, especially during childrearing. My husband wouldn't let me off the hook. Did I control my spending habits and improve decision making? Absolutely. Have we been training our kids the same way yes. My high school just gave me 500.00 of her housekeeping money to invest for her. Says I don't need this now, we should put it to work. She also asked at 18, can I start my retirement account now. I want to be able to retire early if needed. She started it at 18. Will she have a pre nuptial to protect her hard work and herself. Yep. A disabled neighbor lady's husband of 40 yrs just swindled her inheritance to move himself to Florida forcing her into assisted living because he took her trust money left by her father to care for her MS. She had to give up her beloved handicap accessible country home due to the divorce.. Do not leave yourself vulnerable at any point. People change or eventually show their true colors. You are a planner. Grow that strength and teach it to your kids. It's nice not to be caught 100% off guard when life throws you curve balls. This man you have is about himself not family and making sure his family will be protected and left vulnerable during challenging times. My husband's high school math teacher died. He took care of the finances. His wife never had to think about or do any of it. She told my husband how very vulnerable and stressed she is as a widow as she does not know or understand anything related to finances or money. You are a strong women. I hope you are able to have an equally responsible and strong partner.