It sounds like you need help. I think you would like your fiance to be your helper but Social Security has its own rules and I don't think your fiance can necessarily be your helper, whether you would like that or she would, especially if the two of you are not communicating well enough. If/when you get married, that probably could change and then all the money could go into one account, etc.

It is too bad you and she did not know to talk to each other about money and opening accounts; I guess she is use to doing her stuff on her own and not yet being part of a team. That takes good communication and lots of practice :-)