Guys, what about 3 accounts? His, hers, and then a joint account? I imagine a separate joint account makes paying bills easier under one roof. For example, before moving in with a woman, you calculate monthly expenses and decide how much each person deposits each month. Then you simply set up automatic bill payments...or make sure that account is used when manually paying bills.
Alternatively you could simply share bills by deciding which person pays what bill, and only have two separate his and her bank accounts.
Thoughts?