Are you planning to have kids? Do you and your fiancé make similar levels of income? Do you have similar spend patterns (i.e. thrifty, spendeasy, etc)?
The answers to those questions will change the advice. Having kids or having disparate levels of income point toward a joint account, whereas different spend patterns point toward separate. There's no easy formula though.
The answers to those questions will change the advice. Having kids or having disparate levels of income point toward a joint account, whereas different spend patterns point toward separate. There's no easy formula though.