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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To ask - does your partner/husband know how much you earn or what you have in savings?

243 replies

MerryPinkCritic · 17/07/2025 17:13

I’ve been thinking about how open people are with their finances in relationships. Some couples share everything, some keep things separate and some… don’t even ask.

So I’m curious, does your partner know what you earn or how much you’ve saved? Do you think it’s healthy to be totally transparent or is some financial privacy important?

OP posts:
Sunaquarius · 17/07/2025 19:27

Me and husband have completely joint finances (although, no join account). We are completely transparent about how much each of us have, how we are spending our money etc. we use each other debit cards if we can't find our own sometimes and we've shown each other our bank accounts on occasion if we're discussing money and have them open.

We've been together since young though, so it's not like each of us has had a separate financial past that we need to reveal to each other, we've just grown and evolved together. I can imagine it might be different if you met later in life.

Om83 · 17/07/2025 19:21

We completely share everything, all our money is just that ‘ours’. We do give ourselves some ‘pocket money’ each month into our individual accounts for little things/personal items we want/need so we can stick to our budgets but both salaries go into one account then we divvy out from there into other shared accounts for savings/bills/family spending etc.

I can’t get my head around how some couples keep money completely separate but then we have been together from around 18 before either us were properly financially independent so it all just went in one pot - I wonder if you’re used to having your own wages then you want to keep some level of independence??

Annoyeddd · 17/07/2025 19:19

DH and I have joint accounts and some joint and some separate savings (tax and ISA reasons)
He is sensible with money and fortunately now have enough left over at end of month but I am more savvy with finances but he does as ask me about how much we have in various accounts (including his own isa's) when he could perfectly easily find it out for himself 🙄

ChampagneLassie · 17/07/2025 19:09

Very refreshing how many women control the finances, but then that’s perhaps why you’re all answering the question! I don’t believe that’s the average. In my household we both know everything at a high level but we have joint money and personal and I don’t know the detail of what he does with his excess. And that’s fine.

OneNewLeader · 17/07/2025 19:09

All shared. I’m the higher earner, happy to share. Although we don’t have much, maybe it’s easier.

Nothankyov · 17/07/2025 19:09

@MerryPinkCritic For me I think I couldn’t be happy in a marriage where it is all transparent. We have access to all accounts and full transparency

PeloMom · 17/07/2025 19:07

all our finances are joint. Each one of us can see what is there, what’s coming g in and what out.
with my exH everything was separate and with zero transparency ( I preferred this way as he had bad money habits and I didn’t want this to affect my credit rating).

Icanttakethisanymore · 17/07/2025 19:07

TwiceForLunch · 17/07/2025 18:16

We have been together 21 years. (Married 20). He was the one who out earned me and had all the assets. Everything is joint. We have complete unfettered control of all our accounts jointly.

When we got married he took me to a conveyancer to put me on the deeds of his house, which he owned outright. We both have fairly identical approaches to money- quite frugal. No waste because we are prioritising DC school fees which take up a stupid amount of our money.

That to me is what a healthy relationship looks like. Though as i said we have pretty much identical approaches to spending. If either of us were profligate then it would be a different story. DH was married for 5 years before me and he had to bail his out of so many debts and CCJs. And her parents also as her father was a gambling addict. I think it's a tribute to him that he did not then have simialr fears about sharing everything with me.

I think the point about similar attitudes to money is such an important one. You could love someone dearly but if they are shit with money then you might need to keep some things separate. It's not how I would want to live but i might be entirely sensible and necessary.

Inthemidnighthr · 17/07/2025 19:07

I have never understood how couples can say ‘I don’t know or they don’t know unless it affects me’.

Every penny spent, saved or invested impacts you as a family as every penny could be used in a different way and to maybe further joint goals. Saying that, I do all the investing and financial management in our house on behalf of DH and the DC but that’s because I was investing long before I met DH. It doesn’t mean he’s locked out of decisions tho. I talk DH through it all though to ensure we are always on the same page regarding what we are trying to achieve.

NoSoupForU · 17/07/2025 19:05

We know roughly what each other earns. Savings, aside from pooled savings, not a clue either side I'd say.

Together 25 years, married. Always kept separate finances for a whole myriad of reasons and it's always worked for us.

Dontlletmedownbruce · 17/07/2025 19:04

Full openness in our house. We both have access codes to each other's personal accounts but mostly we use the same joint account pot. I don't think we've ever had a dispute about money, we are both naturally frugal and talk to each other before large purchases.

MellowPinkDeer · 17/07/2025 19:03

We know how much each other earns I know he has no savings and he knows I’m a lot wealthier than him!

we put the same amount into the joint account for the house / bills

IberianBlackout · 17/07/2025 19:03

No, because we’re not married and don’t live together yet so frankly I don’t feel like he needs to know.

He knows I’m paying off a lot on my CC though and as such I’m limiting my entertainment spending.

LinseyA · 17/07/2025 19:03

Yes to earnings but no to savings.

He has a history of addiction so I would prefer he is not aware of what money I have available

Icanttakethisanymore · 17/07/2025 19:00

Yes to earnings, yes to savings.

I am sure some people make separate finances work but for us, it wouldn't work. We have quite a complex financial life; multiple properties, multiple mortgages, a couple of the properties are FHLs so that requires a bit of input. It wouldn't work if we were quibbling over which property belonged to which person, who's mortgage is who's etc so we are fully consolidated and in one 'pot'. Fortunately we are fairly similar in our propensity to spend so we do ok.

Gumbo · 17/07/2025 18:56

He knows roughly what I earn but has no idea of my savings.
I'm the main earner, he is in a low paid job, so most of his earnings he keeps for himself, and after I've paid the bills I do what I want with the rest of my money. DH has no idea how many ISAs I have, nor how much I've made on the stock market...he has no real interest in it!

Daisy12Maisie · 17/07/2025 18:54

No because I have a boyfriend rather than a partner. We don’t live together or share finances. He knows how much I earn as I have told him but it’s public sector anyway so he could google it if he wanted to. I have some major outgoings for my children that I think are a good idea long term but I haven’t told him about those as I think it’s my personal family business. So as we don’t share finances I don’t want him giving me an opinion on my financial choices.

He earns a lot more than me but I don’t know how much exactly. Again, i don’t need to know as we don’t share finances.

TizerorFizz · 17/07/2025 18:53

Yes. We have investment meetings. Yes, I get all the reports for investments and pensions . Obviously anyone could squirrel money away and DHs ex business partner did trying to hide money from his wife (divorce was pending) but forensic accountants find it. We have a joint account and joint credit card account. Plus a credit card each for holidays. He knows I would leave no stone unturned but we’ve shared everything since 1978.

Monvelo · 17/07/2025 18:52

We have a joint account and all savings are joint savings. Only a small amount into a 'spending' account each.

TheFallenMadonna · 17/07/2025 18:51

Yes to everything.

ExploringDreams · 17/07/2025 18:50

Mine actually doesn’t. My work is sporadic and the amount fluctuates. I have a few different places I save and he knows from conversations but I doubt he’d remember.

New2you · 17/07/2025 18:50

We track our family net wealth so would be difficult without full visibility

MinnieMountain · 17/07/2025 18:49

Everything is in our joint names, apart from pensions obviously.

DH has a much bigger pension pot than me but I’m not concerned should we ever divorce.

Luckyingame · 17/07/2025 18:48

No, my husband doesn't know how much money I have in my country of origin. Also, a decent apartment.
Earnings, obviously yes.

Flossflower · 17/07/2025 18:48

Yes, we have joint and separate accounts and investments. We have each other’s passwords. It is considered joint money. My husband does a spreadsheet once a month to show the current value of accounts and sends me a copy.