I feel sorry for all those married to a financially irresponsible spouse; woof. My wife and I both loaded apps on our phone for checking, savings, credit cards, and retirement accounts, as well as Quicken. We both know exactly how much the other makes, what we spend it on, and how much we're worth. These are all joint accounts except 401k. We're in our 30's, but if anything happens to one of us we want the other to be fully aware of our finances. It's really pretty easy.