Dear Steve and Shirley, my wife and I have been married for over 15 years and we’ve come close to getting a divorce a few times in the past few years over our finances. My wife has had issues with managing money, so I don’t trust her when it comes to keeping up with our money. We have always had separate accounts. I have a personal savings account and I’ve been able to save a great deal of money for our retirement. My wife does not have access to this account...............See omnystudio.com/listener for privacy information.