Hiding a disagreement on spending through bank accounts does not make the issue go away. If you drop $500 on a driver and your wife is feeling like crap about spending $50 on shoes, you're screwed, no matter what the bank accounts say.
Worse, it encourages leading seperate lives, which in my humble opinion is a relationship killer.
Since you asked for advice - get one account if only to disabuse yourself of the notion that your spending money is seperate. Agree on limits up front if you're worried that you might get grief. I know a couple that doesn't allow more than $100 on a purchase without a conversation. I'm not sure I like that rule. My wife and I started with $500 a month each for spending money - no questions asked. Kinda the reverse Reaper. If that was $200 on lunches and a $300 driver, so be it. But if I wanted a $450 driver I had to figure out a way to spend $50 on lunches or expect to get permission/grief.
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