I'm not sure what GF means...so it's a bit tricky to make assumptions.
But I will assume for a moment, that GF means you aren't married and haven't started to combine assets and liabilities to a degree that a long term marriage-type relationship can.
Setting aside
@
A790
s valid comments on the legality of common law relationships, as you go farther down the hole (so to speak), and it becomes managing common retirement/investment goals, tax issues, home expenses, child expenses, etc, then the inconvenience and inefficiency of managing a 3 -account system becomes more cumbersome. Not that bad, I assume, but still unnecessary.