• My fiancé and I have been together for four years and have never had a joint bank account.
• We're transparent about our incomes, savings, and spending, and we've never had a fight about money.
• We plan to pay for our wedding together, but we won't combine our finances after we get married.

My parents have a shared bank account and kept all their large purchases in both their names, so I thought sharing an account would be my financial destiny, too, if I ever got married. I didn't question it until recently. Now, my partner and I are getting married in just a few months, and we don't plan to combine our finances.

After four years together, we've never had any accounts or cards in both of our names. The closest we ever got to that was me using his credit card on a payment app when we were in Vietnam because mine didn't work. We both contribute to rent and household expenses. We pay back the other person our half of large purchases like flights and hotels, but we don't keep a tab of who owes who what (a nice change from my previous romantic relationships).

We've always been open about money

We were upfront about our income, debt (or lack thereof), and our mutual desire to live below our means from day one. After about three years of dating, we told each other how much we have in savings. We continue to be transparent about money and agree on the vast majority of each other's purchases — it helps that we're both very frugal.

We've built up trust over the years, and we'll continue to offer up personal financial information when we want to, knowing we have privacy. Neither of us has the login information for the other's bank, but we know we can always ask how much the other is earning or spending.

I thought the next step was a shared bank account with two credit cards — I assumed that's what love and commitment meant in an economic way. We kept asking ourselves how having both our names on one account would improve our lives, and we kept coming up blank. I also didn't want to waste time filling out paperwork or calling my bank for something I wasn't even interested in.

Our system works for us

We've lived together for almost four years and never had a fight about money. I have some financial anxiety, and I think having a shared account might actually make that worse. Since my fiancée makes more and pays for more, I regularly check in to see if he's still OK with that.

We approached our wedding, our first big purchase together, the same way we plan travel — with Excel, conversations, and making sure we stay under budget to cover unexpected costs. My fiancée bought our rings, and I bought our flights (we're getting married in Denmark). We both agreed to contribute the same amount of money to the wedding. Every payment we make for the big day goes into a spreadsheet, and at the end of all our purchases, if one of us has spent significantly more, the other will make the next large purchase.

Keeping our financial stressors low is also made easier by the fact that we won't plan to have kids or pets, or make any large purchases like a house or a car. Taking care of our parents is the only thing that might one day impact how we view our financial setup.

Another thing we agreed on from the start was that we wanted a pre-nup. Not sharing a bank account and having a pre-nup might not sound romantic (or like we can't share) to some, but if anyone were to look at our purchases, they'd immediately see we do spend our money on each other—just with separate accounts intact.

We haven't fought about money, and I'd like to keep it that way

I know I'm going into a marriage with dignity and respect. My future husband won't get a notification if I spend over $100, he won't be able to review a bank statement at the end of the month to see how many ice creams I've treated myself to, and we won't know how much the other person spent on a Christmas present. We'll never have to ask the other person if we can spend money or fear that our separate emergency funds will be depleted by the other.

My parents shared a bank account, and they often fought over money — one thing I promised myself I'd never do with my future spouse. Keeping our finances separate has worked so far, and I believe it'll continue to after we're married. We're both open to changing our minds one day, but until we have a good reason, we're very happy having separate accounts, together.

• I spent my 20s believing that working hard and making money were the keys to independence.
• I realized I was working so much that I had no time or energy to enjoy the life I was building.
• Years later, being an ambitious woman looks different to me. I work less and have time for myself.

I thought making a lot of money and working hard would make me happy.

In my early 20s, I got great grades and finished my undergrad in three years. By my mid-20s, I had finished my graduate degree in law while frequently working 70-hour weeks.

I leaned into the idea of being a girlboss, often working weekends or through my lunch, and focusing on making lots of money. It was a habit I saw modeled by my parents. It worked for them, and I thought it would work for me, until it didn't.

I thought hard work was the point

At 26, I worked long days at my home desk after making "hard worker" and "responsible'"my identity for years. I thought this was what an independent woman was: someone who worked constantly and optimized all of her time.

Sure, I was saving lots of money and networking, but I was often too tired on my day off to do anything. I often chose to work on Saturdays and didn't even have time to spend my hard-earned money.

Two things made me realize this wasn't a sustainable lifestyle: I once told a friend I couldn't take a 15-minute lunch break to call her, and another time I struggled to lift my full duffle bag for an upcoming trip after not working out for months.

Something had to give.

I didn't want to just recover from burnout

I was clearly burned out. I could have taken some time off to recover and come back, but then the cycle would have continued.

It helped that I spent my early 20s in Cameroon and Costa Rica, two places where work-life balance looks a lot different than it does in the US, and people live with their parents much longer. Looking back on those years when I was truly happy helped me to question what I was focusing on in my life.

I came to a new conclusion. I didn't want to simply recover after burning out. I wanted to reject the premise that burnout was the price of being an ambitious woman.

I stopped hustling toward anything

In 2022, as the COVID restrictions were lifted more and a relationship I had been in ended, I decided to travel while working a few hours per week. As a then single, childfree woman, no longer heading towards a career, I wondered what I'd replace these traditional markers of success with. The answer turned out to be nothing.

I stopped trying to hustle toward something. No job, boss, passion, or person was going to truly reward me for committing to 70-hour weeks. Nothing was worth putting off a breakfast date with myself or an unplanned walk in the park, or that 15-minute phone call I told my friend I couldn't take.

I decided to opt out of the competitive nature of the working world and instead focus on optimizing myself.

5 years later, my life looks different

Five years later, I have a life my 26-year-old self would barely recognize. I work substantially less, have built a career around writing and research for companies with values I admire, and have spent the past several years living and traveling in different countries.

I don't own a car or a home, and I'm not chasing a traditional career ladder. Instead of constantly asking what I should accomplish next, I have far more time for cooking, relationships, travel, and simply being alive.

One thing I did keep from that previous era of my life was my deep conviction that I, and all women, need to be financially independent. I have stopped suggesting that my friends work through their lunch break; instead, we talk about ethical investing and the need to always have one's own bank account.

Independence turned out to mean something else for me

The surprising part is that opting out didn't ruin my career, and I didn't feel the need to replace work with anything else. I don't think chasing a job title, a salary, or a full calendar would have made me feel secure.

I think I would have constantly felt the need to prove myself, which sounds exhausting to me now. Instead, I have the independence I sought when I was younger. It just took the form of letting go of the idea that I have to constantly prove my worth to myself.