I’ve had a checking / savings account with a local credit union for the last few years—the W knows about all that, but she has no access to any of it.
I’ve thought about this—if she pulls anything funny financially, then I just take my payroll direct deposit to my account. What I also did a couple of weeks ago is: because of the new tax laws earlier this year, I got an extra $75 per paycheck, which I DD’ed to a joint savings account we have. However, in light of our Oct. talk, I made the decision to move that $75 to one of my credit union accounts—something told me just in case.