What do smart people do these days when it comes to joint accounts?

What do smart people do these days when it comes to joint accounts? I am moving into an apartment with my significant other, and we're interested in opening a joint account to pay shared bills. I feel like I've overwhelmed myself with information and research about the different options we have. I am not very experienced in finance, so please forgive me if anything I share is incorrect or inaccurate. The vision ...

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