Married 19 years and we've never had separate accounts of any kind. I've always been of the opinion that when you marry somebody, you are becoming a team, and that includes your assets.
We never argue about money. Any large purchases are simply discussed before they are made. My wife and I don't think along the lines of "this is mine, that is yours". Everything is simply "ours".
A couple of my best friends both keep their finances separate in their marriages. If that works for people, then more power to them, although it does seem counter-intuitive to me.
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