I've always maintained separate checking accounts, credit cards in my name only. When I was married, we had separate credit cards, checking accounts and a joint account which paid the mortgage and housing expenses...We did have a joint savings account...which he promptly cleaned out and put in his mother's name...I never saw that 20K again.
I opened an account when my daughter was a baby and it was in my name and hers only (thankfully) or he would have taken that too.
none of the separate accounts were intentional... we each had credit/bills before we got married.