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We have been married for 25 years and look forward to another 25 years. We have had joint checking and savings all that time. Separately, I have my stack of cash in the gun safe that equals usually somewhere between $500-$1500 for craigslist purchases, or buying cars/track days/whatever with no questions.
I usually part out a car or two to build up my cash reserves, and don't bother telling her about items bought under $500.
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