I am with Disneysteve on this one. It really never occurred to us not to comingle our finances. We are comingling our lives. We are not "our own person". We are to the extent that we are ourselves but also responsible to consider the needs and wants of one another. Our money is our money. Neither one of us is more entitled to spend than the other no matter who earned what. It all goes into the same pot for our retirement, our future and our children. I earn more income than my spouse, however, he has the job which provides the benefits. I really have no idea how anyone would decide what % of the bills belong to one versus the other. I think the very concept of joining together is to join everything together. And, yes, you could get "taken". Well, that is life. We all can taken but I would rather just live my life and if I get taken, so be it.
However, I can understand that keeping separate finances works better for some. If one spouse is a big spender or not good with money, that may be a very good idea. Or, if you are well established prior to marriage, etc.
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