各开各的当然有好处，至少你们的信用值是分开的，如果你们的money is pooled in a joint account, the entire amount is legally available to either of you. A creditor is then justified in attaching those funds to pay a debt that only one of you may have incurred.

还有，如果是joint account，双方就要互相沟通，since you dont want your spouse to bounce a check because you wrote one or made a large withdrawal but didnt communicate this with your spouse.