The financial thing is something I haven't had to deal with yet...I know W opened her own bank account, but she hasn't done anything with it. Checks still coming in to our joint account, and no transfers or withdrawals so far.
But I think the fact that she's noticed your extra $$$ coming in and the fact that you're watching spending is probably a big thing. It's one of those things that shows effort without really trying if you know what I mean. But I agree with Country on being self-sufficient with your stuff...even if it's going into the same account, a plan couldn't hurt.
When it costs me $45 to HALF fill my Jeep's gas tank, Lord knows I'm already planning ahead.
BITS M: 35 W: 27 T 7.5 years M 5 years No kids My EA: 3/08 Her EA: 1/11, discovered 3/11 (ongoing?) ILYBINILY, D mentioned 3/8/11 W at parents house: 4/16/11