We ignored this issue until a little before the arrival of our second child. Between my wife being laid off and the new child inbound, we really had to stop and take a look at our budget. Settled on same basic template (allowance accounts with a joint account). We are money pool droppers, every time a paycheck comes in it gets sliced around (into the specific travel/car accounts and the childcare accounts, as well as specific savings goals and of course the allowance accounts). Then we spend down the rest, apply the remainder to CC bills and then wash, rinse and repeat.