It may seem obvious to you, but for many people I come in contact with, this is a major point of contention.  I get asked all the time, "Should we have a joint checking account, or should we maintain separate accounts?"  I've seen every possible combination.  One joint account, two individual accounts, a series of extra or leftover money market accounts from college, or my most recent favorite, six checking accounts, four savings accounts, and a CD.  My suspicio