Really well summarized article, I must admit. Being married only for a year now, It has been a learning experience. Althought me and my wife dont have a joint account yet, but we do sit and thrash out each and every big expense while deciding whether we need it or not. Ofcourse we have our own opinions on a lot of issues and my wife allows me tthe privilege of taking the final call :-p, we always ensure that we are thinking in the same direction before taking any big step. Mutual trust and respect is paramount when It comes to managing money - for that matter every issue in a married life.