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My wife of 18 years and I have always combined finances. I think it is best, when the following criteria is met: You and your spouse have an open and honest communication about your spending habits. This includes what you believe you Need, Want, and "nice to have". You and your spouse can actively create and use a budget. This will help formulate common goals you are working toward. You identify your role in relation to management of bills. It is ideal if you have the time to do it together, however in our case it became evident early on that my wife was much more adept and capable in money management If one or the other is shouldering the responsibility for the bill pay/ management, you must show complete trust and disclosure. (the "surprises" or unilateral spending are conversation starters. :))
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