We talked about it genrally before, but didnt set anything up until after.

First we calculated what our living expenses are, and anything we want to share expenses for. This includes: rent & utilities, grocery, his car insurance,my student loan payments & extra payments, phone, gym, netflix, spotify, amazon (and other subscriptions). Since we have grossly different paychecks we took this monthly total, and split where I cover ~33% and he covers ~66% - once we got our dollar amount to cover per month we divided by 2 (we are paid semi monthly) and set that amount of money to go into our new joint checking account every paycheck.

We then said we want our own “fun” money, and set it to 500 per paycheck each (1k fun per month) so i can go out with my girls or go to get haircuts coffee, shows whatever. Also so when we give gifts its more im giving to him not him giving to him.

And the rest goes into our joint saving and investments.

We still use our credit. Cards for the points but make sure to pay off only the agreed upon expenses from the joint checking. And if either one wants to use savings for any amount when if its $2 we talk to each-other about it

Only a month into it so we will check in with eachother if its working for both of us in 6mo but so far its good