We really don't manage our finances as a couple. I earn 5x what she does and I pay all of the bills except for her car payment and whatever she runs up on her personal credit cards from buying clothes etc.
She had and still has access to the joint account funds (which she hasn't contributed to for a few years). She also has access to joint credit cards but refuses to use them.
For some reason she felt guilty spending out of the joint account when she wasn't contributing to it due to being enrolled full time in school. She's the one who asked for the "allowance" so she would have some spending money to blow without it affecting our bills/budget.
I have never had any reaction to her spending her own money from her own account. The way I see it is that she earned it so she can do as she pleases.
To be perfectly honest I've never understood why she doesn't want our finances combined and to just spend as she pleases. I'm not sure I understand why she works at all when I'm willing to cover the bills so she can go to school. She's very driven/independent.
BD: 5/28/17 "We're like roommates, there is no passion anymore" Early October she is moving out so she can "think about what she really wants in life" 10/22/17 She's gone