What is the most common type of account that married people use? For example, do they use joint AND seperate?
153100
i would recommend having seperate everythign except for maybe one checking account (like previous said)and house payment. becuase if for instance, one of you dies, if you are joint on things like cars and credit cards, the survivor gets left with the payment, and life insurance or not that is a pain
689116
I would most definitely recommend opening a "secret" account. Not only for a trip or rainy day, but just in case something happens...in case you or your spouse can't work, if your spouse is not good at money management, or in the worst case, if your marriage doesn't work out. No matter how much one loves another, one should always look out for themselves first!
912797
loans \ncollect cans \nfamily (not all from one person but split it between a few money comfortable  people)
479206
seperate banking accounts... if it's your name she can't take it from you or withdraw money.  No need to be secret about it.  Marriage should be based on trust.
1066953
open a joint savings account but still keep your own seperate checking  accounts. Agree on a specific amount you both will be contributing to this account and how often. This will allow you to still have control of your own money and build a little nest egg.
96477
No it doesn't. My wife filed for just the things in her name only. It didn't affect mine at all. Just remember that for a while, if you open new loans or buy a car or whatever, you'll have to do it in just the one person's name. However, you can still use both people's income to get the loan.
159443
I have always believe that when two people get married the finances should be combined and both should have equal access.  I make twice the money of my wife but I trust that she is smart enough to have equal access to the money.  She still maintains a small seperate checking account that we put some money into each month so that she can buy stuff, especially presents for me without me knowing what and how much, plus it makes her feel more comfortable.  But the majority of our money is in a joint account that she has full access to and that I encourage her to use.  When you divide money up based upon who earns what I think the relationship is destined to fail.  How can you be truely committed to a relationship if your holding on to your money to protect yourself?  When you really love someone you don't try to protect your self from them or the posibility that your relationship will fail.  To do so is admiting that it will fail.  Your other points are equally valid, it is in the families best interest that you have equal access to all funds in case of an emergency.  Your name should also be on the titles of all cars and houses and on every credit card.  I also think it is important that you take time to look at the accounts on a regular basis.  There are so many horor stories out there of one spouses problems bankrupting a whole family and the other spouse had no idea that there was a problem.  And on a final note, just because you want to stay home with the kids that doesn't make you any less important.  By taking care of the kids you are saving your family huge amounts of money without you ever being paid for it.  If he has to keep his money seperate then tell him you want an account and that he has to pay into it each month the amount that you would normally have to pay for child care plus what your not recieving from a normal job.
962683
Marriage is or should be, a partnership in which people share equally. The man cannot work and have a neat home to live in unless someone is taking care of the home while he is gone. A wife does many things for a man that he would otherwise have to pay quite a bit of money for someone else to do. \n\nBack to the partnership. Many states now have a ruling that a husband and wife are equally responsible for all bills and assets accumulated by the couple during the time of the marriage (partnership)  I can't think of the exact name but it implies they must share everything if they split up. However, that means the wife does not get to keep a lions share of the property while the man lives in a dive and pays tons of child support or alimony. \n\nThat new law is more fair to both parties. They must divide up all things they got together and share all the bills.\n\nSo, in Wisconsin a woman is entitled to half a mans fortune but only if he acquired it while married to her.\nBut by the same token, she does not get the $100,000 house and make him pay for it while he lives in a tiny appartment or his car!!\n\nHope that clears that up for you....
364949
It will definitely affect your taxes if you file a joint return.  If you must file joint returns then make sure you file an injured spouse form.  Also, keep your bank accounts separate.  Any accounts that he's linked to can be affected.
982576
get a savings account with someone else (like a parent or spouse, depending on your age) and put some money in it every time you get paid. make sure that it is a savings account that requires both peoples signature to withdrawl money. this is what I did when I wanted to save money and it worked great!
994531
My husband and I have seperate accounts kinda. But we do have eachothers name on our seperate accounts.
154813
What i would do is got to turbotax.com and plug in all the numbers to see what filing status would work best for you all. Thats what my wife and i did because we were in doubt as to what way would be best to file: Married filing jointly or married filing seperately. You dont even really have to file through them and it will still give you a pretty accurate figure as to what you will actually get
405335
The rules apply to all your accounts and also to the accounts of relatives.  So you can not use an account of a spouse or child to get around the rules.
1025161
It depends on other things like whether you are single or part of a couple. The 6k and 8k could both be right for a single person because you can get hb sometimes even if you can't get js. If you have more than one bank account, only tell them about the one you use the most. They can't find out if you have got other savings.
321787
I separated from my ex husband two years ago and started to file separately because I didn't want to be blamed for anything on his tax return.  It was a trust issue with me as his income could not be verified because he works in a third world country as an expat.
199853
No if you are still married on Dec. 31st you can file together. You also can file MFS(married filling sep) or HOH (head of household) if you have a dependent. If both are willing I would file together most people get back the most money that way. Some places can even tell you how much money is yours and theirs. Hope this helps you divorce is hard enough.
1028537
I'm not a lawyer or a banker, but I think the POINT of a joint checking account is that the money in it belongs both to person A and person B so they are well within their legal right to withdraw any and all funds even if depositied by person A.\n\nedit: you should talk to your bank