Financial experts consistently say there is no universal formula for married couples. Some fully combine everything, others keep separate accounts, and many choose a hybrid system with both joint and individual accounts. The best approach is the one that supports your shared goals while respecting each partner's comfort level.
For years, your partner handled all the finances. It probably felt easier that way. Then suddenly you discover unpaid debts, drained retirement accounts, hidden loans, missed mortgage payments, or credit card balances far worse than you realized.