In an era when marriage oftenmeans 2 working spouses, decidinghow to handle a couple's income andoutgo can cause stress. Some marriedcouples take the easy way and just lumpeverything together into joint checkingand savings accounts. That approachmay not work out, though, especially if1 spouse has a significantly highersalary than the other. Separate accountsmay also make more sense if 1 spousehas debt problems, because creditorscan't go after money in the debt-freespouse's name. The most common compromiseis individual accounts for personalspending and joint accounts forhousehold expenses and investments.