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It's nice to think that money doesn't matter. But most serious arguments in relationships tend to revolve around money. When you start trying to manage joint bank accounts, joint tax returns, and other financial decisions as a married couple, it can literally drive you apart forever. If you stay separate legally, your finances tend to be naturally separate as well. In most states, the government doesn't 'force' you to have access to or dealings with each other's money. So by staying separate, you are retaining control over your own assets and ensuring that the potential for argument is as low as possible.