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Exactly. My partner and I are completely transparent about our income and based on that we have determined a ratio that we use to pay our household expenses and to create some buffers for renovations, taxes, holidays, etc. The rest of the money stays in our own bank accounts and we can do whatever we like with it. To me that makes perfect sense. If I’d like to spend money on something very expensive for myself, why should that be paid from a joint account? That will only lead to discussions. Of course things would be different if one of us wouldn’t have a job, or wouldn’t be earning enough to live a healthy life. It all depends on the circumstances.
Then how would you describe separate finances? We each have our own savings, investments, spending money, etc. The pooled money is on joint accounts to which we automatically distribute a fixed amount of money from our income. I mean, technically you could let one person pay the mortgage/rent, insurance, etc, but if you then split the costs later, you’re still doing the same thing. The only difference is that we split it automatically once a month.