Were not joint yet, that is amongst other points of argument. We had agreed to have combined accounts, and do a separate individual for fun money account for each. ~400$/month. Aside from coming back 2 months later and wanting to lower the monthly allowance we each get, she was pushing hard that over say 1500, has to be a discussion with the other person about it as far as yes/no. (So no limits on how you spend 400/m, but if you save and spend nothing, you can't buy one larger item? When it's more likely to hold some kind of value than a bunch of petty $50 purchases??)