Misconception #2 is that having a separate bank account means you lack respect for the institute of marriage. Separate bank accounts means a lack of respect for your marriage. Do what’s best for you and your financial situation and if a separate bank account helps you and your partner manage your money in a way that helps you achieve your financial goals, so be it. Also, don’t take to heart when someone judges you because you choose to keep a separate account either (because seriously, they just don’t know any better). Stop judging folks on this misconception that having separate bank accounts means you don’t trust your spouse. And if your spouse has given you a reason to feel insecure financially or otherwise, your marriage has bigger issues and it doesn’t have anything to do with coins. See, for me, that’s a whole other problem. But what if he decided to sneak into Jared’s and buy a girl diamonds for Mother’s Day and I ruin the surprise because I wanna be all nosey? And what if I check his statement and end up surprised?Īnd I’m not talking about surprised as in the fact he’s spent money on a second family or something like that. I don’t have time to be checking my husband’s extra spending coins. Matter of fact, we both can look at what the other has been spending, but the thing is that we don’t. I trust my husband when it comes to our finances and he trusts me. My husband and I have separate bank accounts that we spend our discretionary funds from and I can tell you it doesn’t have anything to do with trust. People choose to have separate bank accounts for all sorts of reasons and sometimes it just makes life easier for them. Separate is not always about trust for some people. Like seriously, who comes up with this stuff? Separate bank accounts mean you don’t trust your spouse. Related Reading: 6 Savings Account Every Family Needs to HaveĤ Misconceptions About Married Couples and Separate Bank Accounts (If you plan to attack, I won’t even entertain you with a response.) So, let me get into this really quick, but first, let me add a disclaimer: If you have an opinion contrary to mine, I don’t mind you sharing, but let’s be for damn sure clear on this one thing - don’t attack me. These misconceptions often deter good people with honest intentions from trying something that could help them build wealth together. With this controversial opinion of mine out in the open, I decided I wouldn’t argue the merits of either but I would delve into the common misconceptions folks have about people who decide to have separate bank accounts. But the point is, there’s no one way to do your finances and if you and your spouse communicate with each other, it’s quite possible to make separate bank accounts work for you. However, we respect each other enough not to spend money from each other’s individual accounts (I’ll explain later, stick with me). We spread our money out over several accounts that we BOTH can access at any time. Personally, my husband and I made the decision before we got married to have joint finances.
One of those things just so happens to be married couples and separate bank accounts. It’s one thing to offer advice, but it’s another to browbeat someone because they had the gall to decide to do something different than what you would have done.
If there’s one thing that annoys me, it’s when self-righteous folks tell other folks what they think they should do with their money as if their opinion is the only opinion that is valid.
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