In theory we have a three account system but all the money goes into and comes out of the joint. I make considerably more than my wife but we both have full access to financial records (in and out) of that account at all times. My personal account has spiderwebs on it, the same low balance has just been sitting in it untouched for years. Her personal account that I don't have access to has a large enough cash balance in it that she could leave with the kids and be comfortable for at least a year without even working. I insisted on this so that she never felt trapped due to finances. I've seen women stay in borderline abusive marriages for 40+ years only because the wife couldn't financially swing leaving. That money doubles as our emergency fund so it would more or less just be sitting there anyway.
"Masked Bandit is a gateway drug for frugal spending." - Unknown303