Married with separate accounts here, though we both bank at the same location and our accounts are linked, so the hubbo can see my balances and vice versa.

He pays for all utilities and rent, I pay for groceries and am responsible for saving (he saves too, but I save more). We don’t discuss big purchases with each other/require approval ahead of time, but we are pretty open about spending. When we travel we usually break up spending, he will buy the flights, I’ll do the hotels, etc.

This system has worked for the past four years of our marriage because we both have good habits and are honest with each other, but I think should be buy a place or have kids it probably wouldn’t work so well anymore. I imagine we would still keep separate accounts, but contribute to one single account for the mortgage.