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It almost sounds like you have a roommate w/privileges, instead of a partner. My husband's earnings are mine, and mine are his. We negotiate "big purchases" from the household fund, and try not to abuse the checking account. We have a "no questions asked" policy about minimal personal purchases (I'm addicted to books / he loves computer games, etc.), and other than the fact he's the "cash" guy (he likes carrying it, while I'm more of a credit card/check book woman), its a pretty equal partnership.
I don't understand the "separate account" people, and in your case, I have a hard time figuring out what your wife is spending her salary on -- you say she makes three times your salary, but you still cover the mortgage, and the bills? That doesn't make any sense to me. Is she socking it all away to surprise you with an early retirement or something? Is she a gambling or shopping addict? I would definitely be sitting down for a "renegotiation" session if I were you!
Good luck! :hug:
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