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Combining finances was a bit of a pain, and it ain't completely over for us yet. She was a little reluctant to get a joint checking account because she was nervous about me knowing how she spends her money--of all things. But get a joint account we did. I added her to my main credit card and we jointly opened a Discover account. But she still has her main credit card from before our marriage in her maiden name, and it is the primary way she spends money. But i pay the bills every month, so i still get to see where she spends it : ) She doesn't want to use the debit card because she's afraid she'll overdraw our checking account, and i'm not convinced she won't. We'll get to the point where income exeeds expenses, but we're not 100% there yet. She really has gotten a lot better. I'm trying to put a new mantra into effect in our lives: "If you don't need it, don't buy it." Period.

I opened up a discount broker account jointly, and i have recently opened Roth IRA's for both of us, and i'm trying to put equal amounts in both.

We'll be closing on our first house soon, so that's going to open up a whole new can of worms.
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