Aside from the pure joint route, which I highly recommend, the other advice I have is that if you keep separate accounts and have one person in charge of some bills, and the other for others, make sure you have a will/POA in particular. If someone dies and they “usually pay that bill” it doesn’t give you reason to access things. The banks care not for that type of arrangement, and they have no choice but to freeze the account if someone dies.
Truthfully, you should have this in place regardless of the kind of arrangements you have for your finances, but that’s an added issue to consider.
Personally we’re in the 100% all money goes into one account and we take care of things from there. There have been times where one of us has made more than the other, and of course sometimes one of us is spending on things that the other isn’t. Oh well. It’s never been an issue, though I suppose if you’re an envious person it could be.
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