We have a joint account for all the bills and easy access to money for the wife and myself. I never questioned my wife why/where she used money. She doesn't work and is a full-time house maker. She had a habit of taking some cash from the joint account each month. It turned out to be that she had collected about $20K. I suggested her to put this money into a bank account. I opened her personal account and deposited all the money there. She somehow doesn't use any money from that account. Sometimes I wonder what's her agenda toward all this personal saving. She calls it all her money and I am fine with it. I don't think there should be any barrier when it comes to money between a husband and wife. However we husbands do expect our wives to use the money wisely.
Wierd..saving it for some kind of emergency? godforbid. or for kids' education???