Do American Couples Really Keep Their Money Separate After Marriage?

American couples do not follow one financial model after marriage. Most have at least one joint bank account, but many also keep personal accounts. Couples may combine everything, keep everything separate, or use a hybrid system, while legal ownership and tax responsibility do not always follow the names shown on their accounts.

美国夫妻婚后并没有统一的管钱模式。大多数夫妻至少拥有一个联名银行账户，但许多人也保留个人账户。夫妻可以合并全部财务、完全分开，或采用混合模式；与此同时，财产的法律归属和税务责任并不总是取决于账户上写着谁的名字。