PalaHeels t1_jeg5jpp wrote on March 31, 2023 at 7:42 PM

I think the shared checking account is probably the best option. If you want a way to spend money from that account with credit card rewards, one of you could get a credit card (or designate one you already have), make the other person an authorized user, and only pay for shared expenses on that card. Then, pay that card only from your shared checking account.

BillyMackk t1_jeg756m wrote on March 31, 2023 at 7:53 PM

But do this with a bank that has notifications when the card gets swiped so that neither of you has the ability to spend without the other's knowledge.

Above all else, talk about the household finances once a month minimum. That alone will eliminate 90% of potential financial troubles. And if you can do it successfully, you'll be way ahead of the game once you do tie the knot.