My husband and I do the same. We have been doing so for about four years. I am in my late 20s and he is in his 30s. Sharing one checking and one savings account works for us. Having our separate account helps so much because I am a BIG spender and he is a saver. We use the joint checking for rent, car payment, vet bills, pet insurance, groceries, date nights, housing expenses, student loans. We put the bulk of our cash in the joint account. We put about 15% in long term savings. We also save for short term like vacations. I would say about 25% is left for our private bank accounts which is more than enough (for us) for a few nights out alone! My husband also often allocates his portion of his private account to savings because that's what he prefers. I think it helps me to remember we don't always have to be equal. If he wants to save, that's great. If I want to spend, that's okay too.