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Wait...what?
You better get a hell of a lot better handle on the concept of a joint venture if you're at all interested in this thing lasting for too much longer.
My wife and I pool all of our money together. Bills get paid from the joint account. We have expenses that are 'me' expenses (beer, poker nights, etc...) and we have expenses that are hers (church donations, 'female things', etc...). But we have an understanding that these are just things we get because we can. There's give and take involved but that's what we call a 'healthy marriage' around these parts...
It sounds to me like you're making this way too damn complicated. Then again, I think if you all get a joint account, you'll just end up arguing over who should get the most 'personal expenses' because of your respective contributions to said account.
Y'know what? Forget I said anything. It suffices to say that I think you all have some serious shit to sort out that goes well beyond $400/mo vs. $500/mo and that I hope you seriously re-think having children in the near future. At this point you're only ****ing up your own lives...
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"If there's a god, he's laughing at us.....and our football team..."
"When you look at something through rose colored glasses, all the red flags just look like flags."
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