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We got married in our 30s and have completely separate finances, and just worked out who pays for what fixed expenses so that part is equal outlay.
I see no point to authorized user cards bc there is no intro bonus there, so I only made one AMEX in each direction an authorized user, only when they would give points for doing so, because for me to transfer AMEX points to her ANA account, for example, Amex requires that she be an authorized user on one of my accounts for 30 days prior.