When my wife and I moved in together we kept separate accounts and split everything 50/50. That all changed when my daughter was born however as I could not expect my wife to pay for half of everything when on maternity leave or back to work part time. We started a joint account, combined out debts, and make big financial decisions collaboratively. There are some issues mainly around me thinking she spends too much on clothes and her thinking I spend too much on craft beer and video games but overall with are able to sort things out with only minor drama.
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