Carlos,
Nope, train derailed I guess. We have a joint account and I have a separate acct. I was referring to the debt, but wanted to be coy. In that dept., we started off in a similar fashion, as you and your future wife, to the dollar. I paid it for her and she was paying me back when our first child came along. I threw the note in the trash and have never regretted that. I was embarrassed to be billing my pregnant wife. What can I say I am “old fashioned”. My wife is an excellent family finance partner despite her original situation.
I meant to be encouraging to you.
Almost forgot to opine on your actual question. I think it is fair and wise, to have separate accounts in your situation. I did, and a prenup. I have since thrown that away to, under no duress. I would gladly split our assets half and half if we were ever to be divorced, which I doubt will ever happen.
