Should the marriage end, neither spouse would have to worry that the other might withdraw the money. A disadvantage with separate accounts is that the more accounts you have, the more paper-work, time and service charges are involved. Although there are only two basic types of accounts, there are many ways to put them together. The remainder can be saved or spent as each sees fit. Raises and salary increases give more individual spending to the spouse who received it.
Problems can arise, however, when one spouse earns appreciably more than the other.
This can lead to resentment of the spouse who has greater individual income. Proportional share couples Proportional share couples each contribute a percentage of their salaries to cover household expenses and joint savings. The remainder is theirs to do with as each pleases. On the plus side, both spouses are contributing to household expenses, while retaining some independence of funds. Again, a possible problem with this method is that a difference in the amount of income each person earns could cause resentment.