My wife secretly opened her own bank account. She opened the account around time of her first affair. I found out about the affair after all was said and done. It was a prelude to her attempt to separate and divorce. However, I don't think the bank account, in and of itself, was the major problem.
Like many couple issues, joint or separate bank accounts can be good or bad. I believe it has more to do with what reasons you have behind your actions that matter the most. Even the secrecy behind the separate bank account is neither good nor bad - it's the reason for the secrecy that matters.
If a couple is not open to each other, they are not a bonded to one another, regardless of what one or both think.
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