[WWYD] How do or would you and your partner manage your finances as a couple? Do the both of you have two separate accounts, a joint account, or is it something else?

My wife and I each have our own individual savings account where our salaries are credited.

From there, we have a standing instruction that credits a set amount to a joint account that we share. This is for joint expenses like the mortgage, monthly expenses, holidays, and etc.

We also have another standing instruction that credits a set amount to another bank account which goes towards our investments. We do a joint portfolio where we discuss our investments and combine our resources to invest for our future.

Whatever is left in our individual savings account is for our expenditure or further savings. This is also funds for gifts and nice meals for each other and etc.

This has worked for us for almost 4 years. :)​​​

What's mine is hers and what's hers is hers.