Is this fair? SAHM splitting finances for the first time

[AWholeNewWorls]

This isn't an argument, I just wanted other people's perspectives or how they do it. Recently taking a step back from working following a number of health complications with DC1.

We've decided that DH will pay off his credit cards with his salary and then the remainder will go into an account that we both have access to. I then pay anything I need to pay off and manage what we spend on holidays, savings, Investments etc

DH generally spends very little on himself, is a big saver etc. His credit card is usually spent on anything for the house or baby or dining out etc. before anyone says why does he get to pay off his credit card first.

YABU : this is not fair. Please provide reasons
YANBU: this is far

Sounds unnecessarily complicated. His salary should go into a joint account, plus any other income like child benefit. Then pay everything out of that including credit cards. And assuming credit cards are being used sensibly

Oh and if you have an existing pension, pay into that from the joint account - and get a private pension if you don’t have one. Not fair you miss out on the pension you’d get if you worked

I don’t see why it matters when you have already said he is not selfish over money and it seems like you are not being left short. You seem to be creating an issue over nothing.

We absolutely consider our finances as shared, but we don’t have a joint account, for no other reason than we both had bank accounts when we met and we continue to use them.

Ok so I spoke to DH and we will have his salary come into an account we can both access.

DH is very honest and open and he said something to me which was unexpected but I would like to share...
We have known each other 3 years and married for 2 years. I am 30 and he is 40. He said he is still adjusting to the fact that suddenly everything he has saved his whole life should be Amine too... He is talking about his savings which total roughly 150k.

When I gave up work we probably should have gotten a joint account, but our previous arrangement was DH paid mortgage and I had all household bills so it meant changing accounts with lots of different providers. Just for convenience we calculated how much the outgoings were and arranged a standing order from his account to mine. We also roughly calculated how much casual spending money we had each month and paid about half into my account too as part of this payment. I also got a credit card linked to his credit card account for grocery shopping etc which he clears every month on pay day. When I went back to work a few years ago it was handy to still have an active account that was just for me

So in this plan he has access to any money he wants via the credit card, and also the joint account, but the OP only has access to the money in the joint account? That doesn't sound quite right.
i wouldn't personally like to have no money just for me - dh can't complain about how many shoes I buy and I can't about how much he spends on books, as we have equal spending money.
OP why not get a second credit card for you on the same account, then you can both earn the. cash back?