Larry James' CelebrateIntimateWeddings BLOG

Sunday, February 1, 2015

Should Married Couples Merge Finances or Keep Them Separate?

Filed under: $$$ Tips,Wedding Tips — Larry James @ 8:30 am
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“Though separate finances have worked for our marriage for nearly 20 years, most people prefer to merge their money when they marry. Some couples keep a single joint account where they put all their money. Others have a seldom-used joint savings account for certain needs but otherwise maintain complete financial autonomy. Most couples fall somewhere in the middle. There’s no one right way to do this; each relationship is different, so the correct choice is the one that works best for you and your partner.

MERGEFinances• If you and your partner make roughly the same amount, you could contribute equally to the joint account, and then keep what’s left over in your personal accounts.
• If one partner makes significantly more than the other, she could fund the joint account entirely on her own and keep the remainder in her personal account. Her husband could simply keep his own income in his personal account to do with as he wishes.
• Some couples use a proportional system: If one partner earns two-thirds of the household income, say, he contributes two-thirds of the joint account. After funding the joint account, the partners can do whatever they want with the leftovers.
• A final option is to use the “adult allowance” system. In this case, both spouses put their entire paycheck into the joint account, and then withdraw a fixed amount into their personal accounts every month.” ~ J.D. Roth

Would love to hear what has worked and what hasn’t worked in the comments section below.

Read more of J.D. Roth’s work here!

BONUS Articles: How to Make Money Talks Less Awkward
Finicky Finances – Who Controls the Checkbook?

Copyright © 2015 – J.D. Roth. J.D. Roth is an accidental personal-finance expert, e.g., a regular guy who found himself deep in debt. After deciding to turn his life around, he read everything he could about money and finance. In 2006, he started the award-winning blog Get Rich Slowly, which Money named the Web’s most inspiring personal-finance blog. Get Rich Slowly has grown into an active community in which thousands of readers every month share ideas on how to improve their financial lives. Roth is the author of Your Money: The Missing Manual and writes for He lives with his wife and three cats in a hundred-year-old house in Portland, OR.



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1 Comment »

  1. […] Tying Up Loose Ends After the Wedding! – Newlywed To-Do List Why the Third Finger, Left-hand? Should Married Couples Merge Finances or Keep Them Separate? How to Make Money Talks Less […]


    Pingback by After the Wedding… Now What? | Larry James' CelebrateIntimateWeddings BLOG — Monday, July 27, 2015 @ 7:37 am | Reply

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