This is Optimal Finance Daily, episode 772, should married couples have joint or separate bank accounts by Kaylin Bruce of Money Minnie blog.com.

And I am Dan, your host, welcome back to another edition of optimal finance daily where I read to you from some of the best personal finance blogs anywhere.

For now, let's get right to today's post as we optimize your life.

Should married couples have joint or separate bank accounts by Kaylin Bruce of Money mini blog.com I've avoided writing this article for years mostly because it's such a matter of

preference. In preparation to write this I read a lot of articles about the

topic and I've noticed a couple of things.

One, people get really emotional and triggered over this topic.

And two, people generally think the way they do it is the best way for everyone.

Guilty.

I recognize the fact that it's going to be different for everyone, but I do have some things to

say on this topic.

Remember that this is just my opinion, even if it sounds like I'm being overly forward.

So what are the options?

Here are the primary three options I've seen.

One, fully joint account.

You both have access to everything.

You spend out of the same account and contribute to the same account.

Two, fully separate accounts. You each have your own accounts to contribute to and spend from,

and you don't ever see or touch the other person's money.

The bills are split 50-50 or according to your income levels.

Think of how you would pay for things with a roommate.

And three, joint and separate accounts.

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