I saw a video of a naked guy skydiving once, it did not appear to be arousing. So I think falling sex has a different meaning you're not sharing with the group. All that flapping around... looked painful. Come on u/SuspiciousPaperclip, give us the real story

crazy to think that getting to keep 10% of my own money is considered "the freedom to do whatever you want with YOUR money without having to explain" lol.

Dunno what you're talking about but let's pass this joint.

That is 100% the wrong way to take this. It has nothing to do with wanting or being prepared to leave. It is specifically to have an account that you can spend any way you want. Mainly I'm talking about fun things that, in a joint bank account, your partner might argue is frivolous. This is a way to avoid a potential argument.

Looks around... Who said that?

We use YNAB and we each have our own spending category. Easy.

Actual LPT: Communicate with each other on what works best for you as a couple. If you have to explain something or justify something to your partner, you may just not be communicating well enough. Every relationship is different, and will require different solutions for unique problems.

I guess we're just communists. Everything is joint.

It helps that we started with no money.

This is more a “this is an option” LPT than a “this should be standard” LPT. If my wife and I had separate accounts I’d just want to save more knowing we have spending money set aside and would be wondering what she’s using it on, and vice versa. Joint account & transparency works better for us.

>I think a good tip is to discuss and agree on nearly everything before getting married.

Fixed it for you. But yes. Agreed!

Yup! It never even occurred to us to completely merge finances. We had a joint and two separate accounts even before getting married.

I think it’s the other way around. Better to share money and work together then split and do your own thing. Seems like the opposite of what marriage is.

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I really don't get the point of a joint account.

Husband/boyfriend has Account 1, wife/girlfriend has Account 2.

Example bill costs 100$.

Solution 1: I pay the full 100$ and my wife/girlfriend sends me the 50$ so we split 50/50.

Solution 2: She pays the full 100$ and I send her the 50$.

This is what my girlfriend and I have been doing for 4 years now. Is there something I'm not seeing?

Spouse does not know about the sports betting account.

Soon to be linked to Apple Pay and Pornhub subscription.

…I think that’s how they spell it.

OP has trust issues with their partner. Or does not have a partner as this LPT is not an LPT nor even financial advice.

Want to be president....get out there and start kissing babies

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That's OnlyFriends

I think a good tip is to discuss and agree how you will manage household finances before getting married.

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I think you know that’s not what I said. Not putting it into the same place first is not putting marriage first. Having personal bank accounts is not bad.

If personal account first, then shared, that’s putting money first.

If shared account first, then personal, that’s putting marriage first.

So your anecdotal experience as a source. Ok.

No, that's not what I said at all.

You can't fund two separate sportsbetting accounts with the same bank account. They will flag that and we'd lose out on the bonuses/promotions for one of the accounts.

That's the only kind of thing we use the separate account for, and it's only her name on it.