After you've said "I do," it's time to start your life as husband and wife. Even though being a newlywed is no doubt exciting, there are still a lot of decisions to make, and what to do with your money should be pretty high on that list. Since times have changed since our parents got married, merging your bank accounts is no longer the obvious choice when it comes to financial planning. When you factor in duel incomes, prenups, and a high divorce rate into the equation, couples have to protect themselves and their money. Some couples choose to open one joint account and keep another one separate, others keep all their money completely independent of each others. There are those that believe what's mine is yours and merge everything. But is that a good idea? I've yet to experience this so tell me, is pooling all your money after getting married a good or bad idea?