Dr Phil's quick take on joint account after marriage - "It depends." It depends on the couple's lifestyle, financial attitude and principles.
I learned from experience that when you money merge, logistics are simpler. However, since every financial activity becomes visible to each other, transparency is required. I found that this can bring a deeper sense of openness and honesty in a husband-wife relationship.
Maintaining separate accounts, on the other hand, celebrates freedom and independence. I learned, also from experience, that contributing responsibly to a 'household account', while maintaining your own personal savings gives you a sense of autonomy and accomplishment as individuals.
Yes, the hubby and I experimented on both to discover what better suits us. My quick take? There shouldn't be any hard rule on whether to join accounts after marriage or not. You should go with whatever works harmoniously, as a couple, in your family. Money is an aspect of married life we should discuss in a healthy open-minded manner. After all, whichever road we couples take, everyone's just working on the same goal- situating our families in a good financial position.