When I look at “my” checking account and see $300 in my account. I know I can spend $300 without over drafting. If we are both spending out of the same account, we would have to constantly be coordinating what we have to spend.

I said in another comment that I “retired” my wife when I got my job at a BigTech. I have “her” allowance direct deposited in “her” account. She can spend it however she wants to and she knows what she has until the next pay period. It’s the same with “my” account.

We talk about what’s going on for the next two weeks. If she has something she needs/wants to do that she can’t from “her” account. I transfer money to her after we discuss it.

We share a Google sheet with the budget so she knows what’s going on.

On that sheet I also have a column that at the top is a real time calculation of how much my next RSU grant is going to be based on the current stock price * the number of shares * (1 - tax rate). We then subtract what we want to do out of that.