• After dating for three years, my then-partner and I decided to open a joint bank account. • It was the biggest game changer in our relationship. • Now, we have a few different shared accounts for different things. Our system works for us.

My partner Sam and I had been dating for about three years when the conversation about opening a joint bank account came up. We weren't married at the time, but we had just started living together after moving to Canada for a working holiday.

Until then, we split most things evenly. Sam had always earned more money than I did, but I was determined to pay my own way. Often, he would treat me to dinner or a movie, but I tried to reciprocate as much as possible.

When we moved in together in Canada, dividing up all of our shared expenses seemed like

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