Married folks: Do you have a joint account with your spouse? Why or why not?

I am an unmarried 22-year-old and I am in a relationship with a 25-year-old. With any luck, he and I will end up being stuck with each other for the rest of our lives and this has got me to thinking about some of the issues that all married couples have to deal with. one of those is whether or not to have joint accounts. I find that I do not want to have solely a joint account. It’s not because I don’t trust my boyfriend or because I’m afraid I’ll spend all of his money. I don’t know what it is really, but I don’t like the idea of having no money of my own and only having “our” money.

So, married folks, what’s your bank account situation with your spouse?