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I Don't Share Money With My Husband, And I Think It's Saved Our Relationship

Separate money = less fighting, more romance.

My husband and I have been married for seven years, and we still keep our finances separate.

Couple at a café in Paris


Our values around money couldn’t be more different.

We started our marriage on unequal footing.

And I like knowing I could take care of myself if something happened.

Money isn’t a factor in our relationship (which probably cuts our fighting in half).

Having our own money keeps the romance alive.


It really isn’t complicated. To start, we have separate savings and checking accounts and credit cards.

Then, we have one joint credit card for all joint things.

Screenshot of users on our joint account

We also split the cost of big, joint purchases like cars, furniture, and trips we go on together.

Couple in front of dome

When shit happens, we have each other’s back.


Things are about to get more complicated in our world: We're having a baby!! Our plan is to continue “the plan” with a few modifications.

Navigating the first couple months will be tricky. Since neither of us has paid leave, we've been stockpiling reserves to get us through it financially.

We haven’t hammered out the details, but our plan is to start a college savings plan for her.

So that's why we do it, how we do it, and our plans for the future. Anyone have advice on keeping your money straight (and separate) with kids? I’d love to hear how you’ve made it work.

BTW, for more stories about money and careers, check out the rest of our personal finance posts