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I'm afraid this will sound critical, but it is not intended as such, so please do not interpret it so; i'm just curious.

Doesn't having three checking accounts, one joint and two individual make things very complex? And does it not ever create tension? How do you decide who buys what for the "house" and out of what account? And do you each contribute a set percent of your income to the joint to make it fair, or is it a flat rate or what? This seems like a difficult setup. Perhaps i do not see it clearly.
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