For us, for retirement purposes it’s one big pot of money. Obviously iras and 401ks are held differently but the bulk of our assets are jointly held. I think having our own accounts just allows for a bit more independence. I don’t want scrutiny over how much I’m willing to spend on towels or good sheets and I’m guessing he feels the same on his spend on airline upgrades... He bought a car once without telling me—that led to some discussion... But other than things like that, we’ve both been on our own for so much of our life that I can’t imagine having to have to justify to someone else why or how I want to spend money. It would be different if one of us were frivolous or spending beyond our means.