Hey everyone! My fiancé and I are getting married in September, and we've been living together for years. We put our money together a long time ago: we have separate accounts but think of each account as both of ours, and whoever has money pays for things, we don't keep track at all, and it really works for us.
As we move forward and I finish graduate school, we'll probably both finally be able to start saving money for joint things, such as vacations, properties, etc. My question to all of you is, how do you deal with money together? For example, do you have two separate accounts and a joint savings account for joint purchases? What do you do for retirement savings, do you have separate accounts? My fiancé and I disagree on investment strategy. And we will make a very disparate amount of money, should we both save a proportion of our paychecks each month?
Finally, how do you deal with discretionary purchases? We both want to save up for expensive items, how do you deal with that? Do you have different accounts for saving for fun/recreational purchases?
Thanks in advance I can't wait to hear what you've all come up with!