Joint Bank Account During Engagement?
Dave doesn't want Richard to jump the (money) gun before getting married.
ANSWER: You should keep everything separate until you’re married. Of course, you can do a budget on paper and talk through your financial priorities. You both have debt and you need to pay it off – separately or together.
If you start a joint account and then end up not getting married, you’ll end up in a sticky financial, legal and relational situation. You should never have joint assets with someone you’re not married to.