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Thats not necessarily true. You can each have your own account if you want. My wife and I have our own accounts for the same policies. Upvote&Open two separate accounts. You each get 10-15% to spend on whatever you want. The rest goes to expenses and savings.+Oct 11, 2024 â Growing up, I assumed all couples shared their money and combined all their assets into a joint bank account because thats what my parents did.