夫妻双方保持财务独立行得通吗？
Do Money and Marriage Mix?

　　Many couples find that maintaining separate checkbooks helps keep the marital peace.           
        I recently took a look at what spouses needed to consider when keeping their finances separate and how to split shared expenses.        
        Most of the couples said the arrangement worked because they have different spending philosophies than their spouses.         
        Husbands spoke of big-screen TVs they bought freely, and wives shopped online without a peep from their other half, all thanks to separate finances.         
        Both liked the independence of having at least some of their own money and felt relief not having to really know about every little thing their spouse was spending money on. The set-up helped keep fights at bay, they said.          
        But readers had strong views on keeping finance separate. Many went as far as to say that couples who keep separate finances aren't fully committed to their unions:         
         'Why even get married in the first place? Marriage is about trust and compromise, two people as one,' wrote Thomas Huynh.         
         'It's clear to me that this type of arrangement [sic] is focused on 'assets' and 'accounts' and 'money' and 'things'＃＃not on love, or family or health or happiness＃..they are definitely NOT a 'couple',' wrote Nora Leen.        
         'Perfect example of the 'me, me, me' generation of self centered twerps who will be through 20 relationships by 40 and then lavish the kind of attention on their dog they they [sic] did not do on their spouse,' commented John Cooper.        
        Others defended separate accounts and shared stories of how they had worked for them:  
         'I agree, separate accounts! I can't even look at his Fidelity account without wanting to hit 'SELL,'' wrote Laurie Holasek.           
         'My wife is completely incapable of managing any amount of money. She is also incapable of discussing money without becoming emotional. So we have a joint account＃[and] She has a small checking account for her part-time salary,' wrote John Haynes.        
        But there was a common thread among both shared-account cheerleaders and naysayers: Couples needed to communicate about money lest it tear a marriage apart.         
        Commenters with separate accounts said they'd needed to establish 'rules' on how to split shared expenses and the couples sharing everything had to discuss purchases, especially big ones.         
        Readers: what do you think of keeping separate finances from your spouse? Do you think it says anything about the strength of a marriage?         

　　很多夫妇发现，各自保管自己的支票簿有助于维持婚姻生活的和平安宁。
　　我最近研究了一下配偶在财务上各自保持独立时需要考虑的问题，以及如何分担家庭共同支出。 
　　大部分夫妇说，保持独立账户行得通，因为他们和配偶有着不同的消费观。 
　　丈夫们说自己可以自由自在地买大屏幕电视机，妻子们则可以上网购物而不必担心另一半会埋怨，这都要归功于财务上各自为政。
　　无论是丈夫还是妻子，他们都喜欢自己手里有些钱所带来的独立性，对不必追究配偶买的每一样小东西感到欣慰。他们说，这样做有助于避免吵架。
　　不过，读者们对婚姻生活中保持财务独立很有看法。很多人甚至说，财务各自独立的夫妇并没有对婚姻全身心地投入： 
　　读者休恩(Thomas Huynh)写道：当初为什么要结婚呢？婚姻需要信任和妥协，两个人要像一个人一样。 
 利恩(Nora Leen)写道：在我看来，很明显这类安排只关心“资产”、“账户”、“金钱”和“东西”，而不是爱情、家庭、健康或幸福；他们绝对不能算是夫妻。 
　　库珀(John Cooper)说，这是自我中心的一代人的典型例子，这些人40岁前能经历20段感情，然后把注意全部放在宠物狗身上，配偶还不如一条狗呢。 
　　其他人则为独立账户辩护，并且分享了各自的成功经验：
　　霍拉塞克(Laurie Holasek)写道，我赞成独立账户！我一看到他的Fidelity账户，就忍不住要点击“卖出”。
　　海恩斯(John Haynes)写道：我太太完全没有能力管理哪怕是一点钱，她也无法理智地讨论钱的问题，因此我们开了一个联名账户，她自己有一个数额不大的支票账户，里面存的是她兼职赚来的钱。 
　　不过，无论是支持还是反对联名账户的人都认为：夫妇需要在金钱问题上进行交流，以免导致婚姻破裂。 
　　拥有独立账户的读者说，他们需要就如何分担家用定好“规矩”，在买东西时需要商量，特别是买大件时。 
读者们：你如何看夫妇各自保持财务独立？你认为这与婚姻是否牢固有关系吗？