Dip looks tasty sub 81k

There can surely be a dilemma regarding how much to share, and then setting up the inheritance too, whether she would end up with all of your  stuff, or if you might have some other heirs in mind.

Another thing is that trust can sometimes be difficult and it can sometimes disappear, so sometimes we want to have systems in place in which our spouse does not have an incentive to either kill you or to fail/refuse to act in your own interest in terms of making sure that we live long.  It is difficult to know the answer, but your idea of setting up some joint accounts and even accounts for care of the kids might not be a bad idea, but if the amounts get to be too much, then the wife could run off with the funds and things like that.

Frequently if you are in a relationship long enough, you can get some sense of the trustworthiness of the other person, yet we have a society that is problematic when it comes to property rights and/or even the creation of bad incentives related to money, wealth and value.  Surely there are some cultural differences, too.. so not all parts of the world are the same in regards to these kinds of matters, even though surely wealth can have tendencies to corrupt the minds of people on both sides... so sometimes there could be value if each of the spouses have their own wealth, but frequently there can be wealth disparities that might cause one spouse to have what the other spouse has and potentially attempt to achieve through evil and/or deceptive means.