My fiance and I have had the money talk a few times and can't really agree on a good compromise for after we're married. Neither of us has any debt, and we make about the same income. We currently have bank accounts at the same bank and one joint account that we both have access to. We put a certain amount of money into it each paycheck and auto-pay our rent and utilities. For other purchases we'll either reimburse ourselves from the joint account or if it's more than we have in there, the other person will gives us half. We don't really keep track that much on what we spend for things like going out to eat or groceries or borrowing some cash here or there. We're pretty loose about who pays for what, and we don't really keep too much track of what we owe each other.
Anyway, FI doesn't want to combine all of our money. He likes to manage his money more directly, while I prefer to put everything on autopay and just make sure that the money is in my checking account around the time to pay the bills when they're due. He thinks we'll step on each other's toes or lose track of our spending if we combine accounts. I think it's not worth the hassle to keep everything separate. I hate feeling like I need to ask him to pay me back for plane tickets we buy or vacations or things like that. Plus, while we both have similar savings, he keeps most of his in his employee stock purchase plan on which he gets a discount and mine is in a savings account. I'm worried that this will mean that when we buy a house, I'll end up paying more for the down payment. Which is fine, but if something were to happen and we got divorced, I'll have no right to any of the money in his ESPP, but because we're married, he'd probably still have access to half of my savings, even if they're technically separate accounts.
My idea of a compromise was to have a main joint savings/checking that our paychecks into and then each have a separate checking account that we sort of give ourselves an allowance into. It still gets confusing with credit cards - do we have a shared credit card, and our own credit card? But then I have to make sure I use the right card when buying something, ugh. And he's not a big of the idea of an "allowance" so to speak.
Anyway, how do you manages your finances with your spouse?