Plan Finances Across Two Incomes as a Couple

Two incomes, one ongoing argument about how to handle them. This designs a money system that feels fair whether you earn the same or wildly different amounts, and names the friction point you keep circling back to. It suits couples stuck between fully separate and fully shared. You get a setup you can both live with, plus the conversation to put it in place.

<context>
You and your partner have combined monthly take-home income of approximately {COMBINED_INCOME}. Your financial setup is currently [describe: e.g. completely separate / joint account for bills only / all shared]. Your main point of friction is {FINANCIAL_FRICTION_POINT}. You want a system that feels fair and works regardless of income difference.
</context>

<task>
**Design a couples financial system** that is fair, transparent, and reduces money conflict:
1. Compare three models: fully separate, fully joint, and the proportional hybrid
2. Recommend a model for your situation with a clear rationale
3. Design the account structure: how many accounts, what flows through each, and who manages what
4. Build a monthly money date agenda: a 30-minute structured conversation about finances
5. Address the income disparity question: how to handle significantly different earning power fairly
</task>

<output_format>
- Three model comparison (one paragraph each: pros, cons, best for)
- Recommended model with rationale
- Account structure (diagram in text format)
- Monthly money date agenda (30-minute template with topics)
- Income disparity guidance (short paragraph, principle-based)
</output_format>