Joint account only. We've never worried about separate accounts. Just tell each other about the "silly stuff" we buy. So long as you communicate it's not a problem. Been this way for nearly 10 years. The only problem we've ever had is deciding who was going to actually pay the bills. Now I do it online and it takes 5 minutes so it's not that big of a deal... before though, man we used to argue over bills. Not the cost but who's sending them out in the mail. Thank goodness for online checking!
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