We used to share everything — one account, one credit card, one budget spreadsheet. It sounded romantic in theory. In practice, it meant he'd spend, and I’d have to clean up. Every time I tried to build savings, he’d “borrow” from the account for a weekend trip or new gadget. We weren’t fighting — we were just financially incompatible. So one day, I opened a second account. I didn’t hide it. I just said: “This one’s mine. For savings. No touch.” Within four months, I had saved more than I had in two years of our joint system. I’m not saying separate finances are for everyone. But if you’re always broke because someone else is making the withdrawals — maybe it’s time to protect your deposits. #Finance #MakeMoney #Marriage