A new study looked at what might make a couple more likely to have separate bank accounts.
Next to having children or purchasing a home, combining finances is a major question couples must address during the course of their relationships.
In data released this week, having two sources of income made couples more likely to split their finances. “I just always assumed, based on my family background, that couples always pool their money. If they were married, they just pooled assets and income and made joint decisions,” study co-author John Grable, professor in UGA’s College of Family and Consumer Sciences, said in a news release. “That’s not always the case, and this study shows we can actually identify groups of people or profiles of individuals and couples where pooling resources is not as common.
“To me, it was interesting that it wasn’t driven primarily by income. It wasn’t necessarily the level of debt that mattered, but the net worth,” Grable said. “And debt could include credit cards, student loans, auto loans, mortgages, those kinds of things.”“Agreeing on spending mattered a lot,” study co-author and financial planner Michelle Kruger said in a press release. “That’s a good thing.
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