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frazorth ,

We have joint and personal accounts.

Joint account for bills, if anything were to happen to me I would like her to be able to pay bills, or even see they exist to cancel them.

Joint account for salary deposit and a joint savings on it for covering our 3 months of bills.

Personal account for discretionary spending, each month we put some pocket money in each of our personal account to blow on beer/taco bell/whatever.

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