If you both spend more than half your liquidity without consulting your committed life partner, there's bigger issues at hand.

If your “liquidity” is in a checking account, there is an even bigger issue..

How does this work? You have $1000, spend $600. You now have $400. How does the bank allow an overdraft here? Why isn't the transaction rejected?

I guess this is a debit vs credit card thing?

You can have your bank account set to allow overdrafts or reject them.

But even then, it works different if you’re using it at a point of sale with your debit card and a scheduled payment that doesn’t immediately show up as pending.

It’s just a hassle that can easily be avoided by separate joint accounts.

Of course we have a small savings account that takes care overdrafts automatically (with a $12 fee).

> I put money into “her” account every pay period based on what we agreed on

She can continue to spend the amount you guys have agreed on from a joint account.

It’s much easier just to open your bank app and know whatever is left in there you can spend until the next pay period.

I think sometimes people need a show of things to feel secure, even if there’s no functional benefit.

But in a shared account she could spend more than the agreed on amount.