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Pretty Much :) we are polar opposites when it comes to saving and investing. She'd rather have things now, I'd rather have Millions when I'm 60. operating from 2 accounts lets us both get what we want. If I was single I would be living in a card board box not spending anything...

Don't combine your accounts that's my advice. Not because I don't believe in marriage or for some sort of asset protection stand point. The wife and I used to have a joint account when we got married, she was a spender I was a saver, it ended in credit card debt. Now we run 2 different...