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Because we haven’t yet seen a need for having one.
But most personal finance advise that you read online suggest having a joint savings account with your spouse (especially when your spouse is working which means you can share household expenses and such) — I doubt if these apply in an Indian context.
We were happy with the way we were managing our accounts before our marriage and there’s no reason to change that now. There is one situation, however, that might warrant having a joint account: access to our emergency fund, since either of us might need it on short notice. A joint savings account with individual ATM/Debit cards might be the right solution.
What do you think?
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