Sounds like you should each have an account and keep a third for the "household". Pay the household expenses out and each keep a bit in your personal accounts. H and I each have our own accounts (remember this is a 2nd M) but they are with the same bank and we can see each others accounts and our Home Equity Line of Credit too on the internet. We are each on the other's account. H does have another account for his business that I am not on and I suppose he could stash $$ there if he wanted but we have had no problem being above board with finances so far. If I felt that we encountered such an issue (like you are) then I might have to review our strategy. Is it "divorce practice"? Ummm maybe but then you cannot really stop her from having her divorce fantasies anyway so why not play along??