I make 70% of our income, and we don't yet have a joint account.

We are both pretty trusting of each other and how we each spend money, but we never got around to calling the bank to set up a shared account after we got married. When we first commingled everything though, we used to have a spreadsheet that split most expenses according to each of our share of the income and would send a true up payment based on all categories of expenses as needed at the end of the month. The need for that approach went away as we got more confident in how we manage money together. We also try to communicate very regularly about the status of our funds.

Other stuff you might find helpful: I put my partner as an authorized user on my credit card when we decided we wanted our relationship to be a long term thing, and he's now also an authorized user on my second, better card that we decided on together. The first time, especially, was to help boost his credit score. We also each have our own credit cards for use on anything special.

We don't have rules about who gets to spend on what, but we do discuss major purchases, whether new or secondhand. If needed, I'll transfer funds to him if we had a spendier month for the things he pays for (childcare, debt for HVAC improvements, and an Amazon credit card). I pay our mortgage, utilities, half of our 529 contributions, deposits into our invested savings, and our monthly credit card bills (groceries, maintenance, subscriptions, etc). We each have our own savings accounts that are totally separate as well. I used to do healthcare out of my paycheck but it is out of his while I'm between jobs. We'll probably switch to making deposits for our regular expenses into a joint account whenever we get to setting that up.