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Married four years, I make more than he does. We have separate checking accounts and a joint savings account. He's responsible for paying the rent and his student loan payment; I cover everything else -- bills, trips, fun money, etc. He uses a credit card for small stuff (lunch at work, new clothes, etc.) that I pay off in full each month. Whatever's left over out of our checking accounts at the end of the month goes into the joint savings account.
My parents have always had separate accounts so I never really considered a joint checking account. I think it's important for everyone to have a little bit of their own money...just in case.
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