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My wife and I kept separate finances for a long time. We lived together for several years, and that made sense at the time; but after a couple of years we got a joint checking account that we both made contributions to.
After we were officially married, we eventually merged our accounts. My wife never saved much until she met me, and was actually reluctant to merge accounts; she felt that it was unfair to me, because I had much more, and because she had always been a spender. so since we merged savings -- at my impetus -- she's been very good at checking with me before purchases. She really wants to make sure that it's all right. For my part, I try not to be too anal, and generally it works out fine. What bugs her is that I _never_ buy much stuff for myself, so in her view I still hold the moral high ground. But I don't see it as a moral thing. I just don't buy stuff.
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