Married with separate finances

My husband and I have been married for 6 years now and we do not have a joint bank account or anything like that. We have no kids, just a dog and a cat. We both work and nobody has the sole job of paying for certain things. Sometimes he will pay rent that month and I’ll pay utilities and groceries etc. Vise versa. Neither one of us have gotten to the point where we have no money in the bank, even if it’s just for a few days. Sometimes we will ask if the other can pay for something and it’s always a yes. We “share” our money in the sense that we have no problem with whoever is paying because we see it as our money.

The reason we never got a joint bank account is because our finances being separate has never caused a problem.

We saw his mom the other day and the topic came up on a shared bank account and she asked why we didn’t have one and accused us of financial abuse. She said that it’s not obvious to her which one is being abused but it’s “obvious” that someone is. I talked to my husband after and asked if he felt like he was being taken advantage of and he said no and I said the same thing. Then, I talked to my mom about it, just wondering what she thought. She told me that it is definitely strange that we don’t have a shared bank account and that I need to get one. He makes a little bit more money than me so he has a bigger savings, but I have a good savings too. I can’t stress enough that there’s really never been a time where one of us has been broke. We both work good jobs that we love.

Honestly I just don’t really get the hassle of it all. Neither one of us is in debt and we are both always willing to pay for whatever bills or fun target runs. Is it just an older generation mindset or am I missing something? We are both happy with our financial situation and so I feel like having a joint account could just add unnecessary stress. I have never felt like he was taking all my money and neither has he.

It’s not that we are against it.. I mean when I talked to him about it he told me that if I wanted one then we should just get one but I don’t want to just because our moms said so. I really don’t have a problem with our situation at all.

I guess what I’m asking is, to whomever is married, do you have a joint bank account? Do both parties work and contribute to bills?