Been married 20 years, raised 4 kids. Never had mine, yours and ours - I mean money. Sometimes we would both have some money saved aside but more for getting the other some special present or a great holiday to surprise the other. As the years went by and depending on who was doing what career wise one of us was the treasury. We both have made a lot of money, but there were times in the '90s when we had almost no money during the dictatorship, it was hard and we did have some disputes over our finances. At first I was teased that we women were much more expensive to clothe so I started a "his/her clothing diary" and proved that it was not true. Since then there is no joking about even my creams as he is using Lancome himself
My parents on the other hand always had the male-female thing where my father held the "bank" and gave my mom an allowance although she had her own pay check. She rally had no control over her shopping habits.
My in-laws had separate accounts, and it was sad to hear the discussion who was going to pay for the presents of their grandchildren.
There as many models as there are people in various relationships. Setting down rules or agreements is the right model, and changing them when they are outdated.
This is my 2 cent on the topic.
Love m