If one is always overdrawn then you have big issues to address. And if you're out doing your own thing, the purchases are yours. You get your own lunch, your spouse pays for their movie ticket(as examples). You can divide tasks for what feels a reasonable cost to each of you, so one handles the cost of groceries and the other tackles the phone bill. Big purchases you can work on together and discuss how best to account for both of your expenses and pay-schedules. I don't know if it works in every situation, I'm not gonna say you're wrong about what works for you, but for two people of comparable pay and expenses two accounts makes sense. Even for people who worry about money, although I don't know if there is a point where that breaks down.
If one is always overdrawn then you have big issues to address. And if you're out doing your own thing, the purchases are yours. You get your own lunch, your spouse pays for their movie ticket(as examples). You can divide tasks for what feels a reasonable cost to each of you, so one handles the cost of groceries and the other tackles the phone bill. Big purchases you can work on together and discuss how best to account for both of your expenses and pay-schedules. I don't know if it works in every situation, I'm not gonna say you're wrong about what works for you, but for two people of comparable pay and expenses two accounts makes sense. Even for people who worry about money, although I don't know if there is a point where that breaks down.
deleted by creator