Well I'm not married so maybe I shouldn't weigh in....

But I will anyway.

My eventual hope is that if I'm married, we would have one joint account and 2 individual accounts. Maybe each of us contribute part of our incomes to the joint account and pay bills out of that one. Then use the individual accounts for our own thing. Everybody needs to buy their own stuff once in a while. Do something for yourself!!!! Set aside individual money that you each have to use however you want!
That's just my 2 cents.
Sidony