We have one bank account and one credit card account. Both our paychecks are deposited into the one account and I pay all the bills for our family from that account.
The way I see it, we're a partnership and I don't own anything on my own. It would be a hassle to try to separate money because everything we buy is shared.
For your third question, I didn't ask for permission to marry my wife because I don't care what her dad thinks.
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