What would be the point at which you would begin to combine your finances with your significant other? My SO and I have been together 5 years, and we were just discussing opening a joint account for our expenses together. We wouldn't put a lot of money in it, and would both maintain our own separate accounts as the main accounts. This would be where we would get the money to pay for our dates and us to drive to see each other (gas and tolls), but we would use our own money for our own things. Expenses would have to be discussed with each other, of course. This would help us build a name together and learn how each other works financially. Opinions?