How do my spouse and I decide who manages the household finances?

Pick a system based on interest and reliability, not gender or income. One partner can act as the day-to-day 'CFO' handling bills and tracking, but both should stay informed through a regular money check-in so neither is helpless if something happens to the other. Share logins in a secure password manager and keep a simple document listing accounts, insurance, and advisors. Even if one person drives the details, big decisions like large purchases, debt, and investment strategy should be made jointly. The most common failure is total delegation where one spouse has no visibility, which becomes dangerous in a death, divorce, or illness. Set a recurring monthly review and rotate who leads it. A shared assessment at wealthserene.com/assessments/financial-wellness gives you both a common starting point.