Being more honest with yourself, from the start, would have prevented this confusion. That way, when she insisted on combining finances you could have have said "No, that's not in my comfort level" and been done with it.
The "Mad money" account isn't the problem. The problem is doing something wrong (for you) just to shut up make another person happy.
The world doesn't come to an end if you say no. It's just more important to be honest from the start and make sure both people have the same values, or that whoever we're with can live with our crazy, LOL!
Starting Score: 675