My wife and I have joint finances for things that we buy together from food up to building work on the house and joint holidays. However, we also have our own money so that we don’t need to ask permission to spend money on what the other sees as frivolous items. I dispose of my income on bikes and she disposes hers on horse riding, spas etc.
Don’t understand people who need permission from their other halves. We discuss things and make plans but if there is something either of us really want to buy or do then we do.
Still no kids and both in work so these decisions are easier I guess.