I always believe in marriage you shouldn't have to feel the need to have separate accounts. That's what mine is his and what's his is mine. Til i realized our financial burdens were all him. He has a spending problem. I now have no belief in joint accounts and get why many don't do it. It wasn't overly obvious until he was deployed 9 months and our finances did great, always had everything paid and went into the next month with plenty money etc. He came back and I can barely get bills paid and every time I check the account to see why, he has blown money. Our debt is back, he ran up 1200.00 credit card in a month. He knows bills are due and still spends. I'm done. I'm not doing joint accounts anymore. Do you and your SO have joint accounts. Why or why not?