For many couples who live together and aren't married or have chosen to not merge everything, I love doing a theirs, mine, and ours bank account system. That's where one person has their own money, the other person has their OWN money,. They contribute to a shared account that is only for joint expenses. Then whatever is in each of their individual accounts, they can spend or save as they like. If you do end up doing that type of accounting system, let's say, if your partner spends their money, not your joint money, in a way that you want to roll your eyes at, you must be comfortable enough to let it go.

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