Same here, except I use Quicken instead of a spreadsheet. The only accounts we keep separate are the ones where you literally cannot have a joint account, like IRAs. Everything else is joint--it simplifies so much. We don't have to worry about those "I can afford this, but you can only afford that, what do we do?" conversations. One joint checking account with a credit union that has physical branches, for cash in/out, one joint checking account with Schwab for the "normal" banking. We don't have a traditional savings account anymore--I just buy short term treasuries now which are currently paying over 5%. Single joint credit card, and we just make sure we have enough in the checking every month to pay it off, and that's it. Pretty simple setup.