open up a separate account, in your name only, and don't tell her.
Na, that can't work. We're going to need full transparency on all income to do quarterly true-ups because of her irregular pay.
Plus, I can't start this new plan with inherent deception, can I. You're shocking me here, Starsky.
I'll tell her that a new joint account is what I can do for now, and that over time, when we get to a better place, we can reconsider combining everything.
