It didn't help that at the time, they were both young—in their early twenties—and still learning how to manage their personal finances.

当时他们都20岁刚出头，尽管还很年轻也没用，仍然在学着如何管理自己的个人财产。

So they created a new account solely to hold money for joint expenses like mortgage payments and utilities.

所以他们开了一个新账户，只用于为按揭贷款和生活缴费这样的共同支出存钱

The couple tracks those expenses alone in a spreadsheet. ("The secret to a healthy marriage is spreadsheets," Underwood quips.) But with the exception of those big-ticket items, they keep their money separate.

这对夫妻在电子表格中单独跟踪这些费用，（Underwood开玩笑说：“健康婚姻的秘诀就是电子表格。”）但除了这些大额花销外，他们的钱是分开的。

Underwood is quick to note that for her, maintaining separate finances is "not a substitute for being transparent" when it comes to finances. "I can honestly say I've never hidden a purchase from my husband, unless it was a gift for him," she says. "I'm not someone who has gone out and blown $600 on a pair of shoes and then hid them in the back of the wardrobe."

Underwood很快注意到对她来说，涉及钱的问题时保持财务独立“并不影响财务透明”，她说：“我可以诚实地说我从未背着丈夫偷偷花钱，除非是给他买礼物。我不会出去花$600买一双鞋然后藏在衣柜最里面。”

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