My husband and I have a joint checking and savings account we also have our own. We both share our money with eachother. It's not really a partnership if you aren't looking out for one another
I don't have a job but my grandparents have separate accounts as well as my parents. It works. They pay bills from a joint account and then have their own for things they want or just don't want the other to know about
I don't have my own money, but when I'm given money, I put it in a change jar in my dresser. I do it so I'm emergencys I'll have it, or holidays, birthdays, or whatever else. He doesn't know about it only bc he hasn't noticed. He wouldn't take it or anything. We keep a change jar for each kid, bill and the baby that's on the way