you want to secure yourself, which is legitimate. I also think it’s good that you are thinking about it. Once clarified and put on paper, life becomes much easier. Nevertheless, you have to see the whole picture. We don’t have a joint account either. We don’t need one. Just a household cash fund. Most of the money comes from me. Vacations are also mostly financed by me. She gives as much as she can/wants. My wife has a secure income, is still paying off a property (rented out), and is preparing for retirement. Additionally, as already mentioned, she is contractually secured through me. We would never think of settling accounts over a few euros (for example, shopping at Aldi). But we are also in the fortunate position of not having to count every cent twice. To be able to stay in the property (even just temporarily) you either have to have a share in it or a right of residence. An official rental model is certainly not very sensible as it is taxed. If you get married it will be easier since there could then be maintenance, etc. Then there’s the question of separation of property or community of accrued gains...