We have completely separate accounts. Let's just say My Man is not the greatest with money. I remember my grandmother, when I got engaged saying to me (remember she was born at the beginning of the 20th century) "A woman should always have her own money." She gave me a small amount of money and I decided to keep my own account. I've had at least one ever since.
We did have a joint account once, after less than a month of us both putting money into it, I went to get some cash to buy groceries and there was nothing in it. WTF?
So, I let him pay most of the bills with the account that his pay check goes into (and I have no access to) and I have my account and accounts for the kids in MY name to keep them safe.
He's a good guy, but he burns through money like there's a hole in his pocket. Then he always bitches and moans that he's broke. *sigh*