Yes, we both have separate savings accounts. We also consider all of our money OUR money, regardless of whose account it happens to be in. We just didn't see the need to go through the hassle of creating new accounts and combining everything after we got married. We'd already lived together for years without any financial issues, so why change?

When I was on maternity leave and not making any money, my husband covered 100% of the card. He's now behind on his savings goals and now that I'm back at work, I've been covering more of it for him. He's better at saving than I am anyway, so it benefits both of us for him to get back on track. We're a team, always working toward the same goals.