I disagree about mingling your money. Most financial experts will say to have a joint account that each person pays a % of their income into for household expenses. The rest is yours to spend how you want. My husband and I got married in our early 50's and we both had our own money. No way would I ever have agreed to mingle my money with his. We spend differently and neither of us wanted the other to say how to spend our own money. This should start at the beginning of your marriage. There will be fewer disagreement about money if you keep it separate.