According to a study conducted by academics at the University of Colorado, relationships between couples who have joint bank accounts are typically better. The survey found that 62% of couples with joint accounts spend money in the same way.
The study's principal investigator was University of Colorado assistant professor of marketing Joe Gladstone. He said that couples with little financial resources tended to benefit the most from pooling their funds.
"We looked at the transaction data of thousands of couples as well as questionnaires conducted over several years to determine how satisfied they were with their relationships. And we discovered that married couples with shared accounts stay together longer. (Joe Gladstone quote)
Gladstone noted that among the many variables affecting how long marriages last Having joint bank accounts is only one thing they do. He asserted that other factors play a role in a couple's long-term happiness.
"The intriguing thing about this, in my opinion, is that when couples decide to combine their finances, they probably aren't considering the impact that will have on their happiness. They are thinking, "I want to pool money because it's convenient or because we're getting married and this makes a lot of sense," or any variation of that thought. But they may not have given much thought to these negative side effects of happiness. It has a big, lasting, and meaningful impact." (Joe Gladstone quote)
In other words, you might assume that conflicts over money and sex would be what ultimately led to the dissolution of the majority of relationships. However, healthy conflict may work to your advantage. Stopping your belly laughs won't ever be to your advantage. When you stop laughing together, you are much more likely to end your relationship.
In addition, there are several debates concerning who is "the main provider" in the household, or who brings in the most cash. A shared account eliminates the potential for such disputes, increasing the likelihood that the group will remain cohesive.