I would never join my bank accounts together. We've been together for seven years, but 1. Neither of us needs to give the other a hard time for discretionary spending as long as our bills are paid and we're hitting savings goals. 2. I've had too many friends and even a family member get absolutely screwed by having joint finances and a spouse that decided they wanted out with little to no notice and messing with the money.

I don't remember it now, much less later.

I swear the worst part of getting older was going from having instant recollection to barely remembering my name most days.

This is not universal and you had best be prepared for a fight if you follow this LPT.