Joint accounts for married couples are absolute nonsense.
Permit me to speak my mind on this topic as brought up by the #hivenaija community. I am sorry if my position on this topic does not sit well with you, just pardon my manners it's not deliberate.
A lot of people have been trapped in what they call marriage to the extent that they fail to be truthful to themselves. A lot of married couples are living in a fool's paradise with nothing to show forth that they are in marriage. A lot seem to fake love to achieve something from marriage. We have lots of pretentious marriages than the real ones. Please understand my point. I did not say that there are no good marriages, the percentage of hypocritical marriages cannot be compared to the ones that are lying to themselves. In marriage, one stands to gain while another stands to lose. This is the reason people are always keen to find out what one will bring to the table in marriage.
These days people don't go into marriage when they have nothing to gain. This is a very wicked mindset. However, this wickedness did not start today, just that this generation seems to magnify it and make it look like marriage is a poverty alleviation program. People enter marriage with wrong motives and one of those motives is to be rich and accumulate wealth. Some go to the extent of killing their spouse so they can inherit their wealth. I am in so much pain.
Now, a couple who are in marriage and operating a joint account is what I call absolute nonsense if you relate it to what I have written in the above paragraphs. Humans naturally are greedy and egoistic and you try to suppress this tendency of greed by marriage and in a short while, those tendencies begin to manifest and suddenly you begin to blame God. In couples’ joint account journeys, one will stand a greater chance to gain while the other will lose out. This is because one will be a spender while the other will be the one who always brings to the table. This is an injustice of the highest order. If couples would want to operate a joint account then let the income and expenditure cut across everyone equally.
Each couple should operate individual accounts and control their money the way they want it but they should ensure that the family does not suffer for such a decision. This is what I stand for. Humans are so wicked and as such one must tread with caution. Don't let marriage and love make you lose sight of the fact that some people are pretentious and wicked at the same time. This does not rule out accountability because I know that you that is reading this post will ask about financial accountability. Financial accountability should not be forced on anyone in marriage. It should be borne out of trust. I hope you don't expect me to be financially transparent to you when you are political on your own. God forbids.
For couples to enjoy their marriage and their money, they should operate a separate account.
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