Here's how my fiance and I split our finances.

Here's how my fiance and I split our finances as a couple making over $350,000 living in New York City. First, we each have our own checking accounts, meaning when we get paid from our employers, our checks go into our own individual checking accounts. That means we each have our own personal credit cards as well that are paid off at the end of the month from our own checking accounts. Now, all of our personal spending, anything we want to buy for ourselves or for each other, goes in our personal cards. Then we also have a joint checking account that we transfer money to every single month from our personal checking accounts who are joint checking accounts. Now, this joint checking account is what we use to pay off our joint credit card. The AMEX Gold is what we use for a joint credit card and any spending that we do together goes on this joint card, which, as you can imagine, is like 90% of our spending. After spending, the next biggest category is, of course, our mortgage. Now, we don't rent in New York City, we own. That means we owe a pretty hefty payment at the end of every single month and again, we choose to split this. Now, I know a lot of people might think that that's crazy, but there's a reason behind it and let me tell you why. Our wealth goals and how we manage our money is completely aligned. So any extra money that I make that's not going into the mortgage goes into investments. So it's the same pot of money, you can just divide it how you like. That brings me to the third and arguably most important category, which is investments. Now we each have our own individual 401ks which we contribute to with our employer. Then we also have our own individual brokerage accounts, which again, we both contribute to automatically every single month without thinking about it. And later down the line, we'll smash everything together into one big wealth pool.