 couples might put all their money into that one joint account and then agree to a certain percentage or spending limit to claim as their own on a monthly basis brian podvin says this approach is best for anyone who might have hang-ups around the lack of privacy from a fully merged bank account that can provide some of that psychological safety it can also provide each person with a bit of autonomy to say i'm going to spend the money that's in my account the way that i want to spend it or i'm going to save it up forever and ever and you can't tell me otherwise great none of us want to feel