Joint account with separate accounts for pocket money. An arrangement I highly recommend because it totally removes the need/desire to justify spending on something the other one doesn’t appreciate. Pocket money is yours to waste or save no questions asked. This set up leads to guilt free spending (or not it’s up to you alone what you do with it) so for example today new training gear turned up for my husband, he’s happy and says “What do you think of my new gear?” I say “very nice, it suits you” this enhances his enjoyment and he’s even smilier. But if it wasnt his pocket money and it was coming out of the joint account I’d be saying “how much was it? why do you need more training gear, you have loads” Id be thinking about wasting money we could be saving. With pocket money all’s good, it’s a win win.