Should married couples have a joint account?

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Mag bf/gf palang kami nag open na kami joint acct. The nextyr we got engaged, so hindi kami nahirapan sa wedding expenses because we have shared savings na po :)
in case of emergency, joint accounts are necessary. make sure na and/or ang JA not AND. kasi kapag may nangyari sa partner di makukuha ang nasa account. :)
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