4 Do We Combine Accounts or Operate Individually?
　　問題四：我們應該合著用錢還是各用各的？

　　This is a divisive issue. Many financial pros argue that operating from individual accounts helps maintain marital peace. Since neither partner knows what happens in the other's account, there's no bickering.
　　這是一個眾說紛紜的話題。很多財務專家稱，各用各的有助于夫妻和睦相處，因為彼此不知道對方的資金使用情況，也就無從爭吵。

　　Maybe. But it's far from perfect. Resentments can emerge if one partner is better at saving and always has money for larger, more meaningful purchases. Moreover, individual accounts mask the family's true financial position, which can hamper the main purpose of marriage: operating as a team.
　　也許吧，但這么處理還遠談不上完美。如果一方善于理財，總是有錢買更貴、更有意義的東西，那么另一方難免會心生怨氣。此外，各用各的容易掩蓋家庭真實的財務狀況，讓婚姻的一個主要目的無從體現：即一起過日子。

　　If neither of you know how much money is really flowing through the individual accounts, nor how much is being saved and invested, then it's impossible to plan a future together.
　　如果夫妻雙方都不知道各自的銀行戶頭有多少錢進出，也不知道各自都存了多少錢，做了多少投資，那兩人就不可能一起計劃共同的未來。

　　That doesn't mean individual accounts can't work. They can. But they require a large degree of openness so that you can both work toward common goals.
　　當然，這并不是說各用各的就不行，有時候這種方式也管用，但需要夫妻彼此之間開誠布公，這樣才能奔著共同的目標努力。

　　Ultimately, all of these questions are about one thing: communication. Learn to talk about money early and often, and you can mitigate the financial tensions that are normal in all marriages.
　　總之，所有這些問題都涉及兩個字：溝通。學會及早地與對方討論金錢方面的事情，并經常保持這種對話，就能避免所有婚姻中常見的因金錢引起的夫妻爭吵。