Perhaps you have different views on money. Maybe one of you is a saver (also known as penny-pincher, cheapskate, tightwad) and the other is a spender (also known as irresponsible, impulsive, materialistic). (If you’re calling each other these parenthetical names, consider it a red flag.) Perhaps one is better at the day-to-day details of managing the account. Maybe neither of you is especially great at recording every transaction and a search would reveal ATM slips under the seats of both of your cars. No matter how you feel about the big issues like saving for the future, investing, or how much your home or vehicles should cost, if you want to commingle your finances, you’re going to have to agree on these points:
