This is a fantastic thread!
I learned the hard way from my previous mistake not to be so trusting. I let my ex handle all our finances even though i earned 80% of the house hold income. When we separated it was shocking to see what she was doing with our money, i mean my money. And more shocking that the day we talked about separating she withdrew 13k from our chequing account and 20k from our savings.
I am very open with my current SO about cash and will have a joint account when the time comes, but will always keep my own accounts as well and expect her to do the same.
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