Thankfully yes , you COULD change your password , but since they never expire and not many people were tech literate , didn ' t mean anyone DID <| sep |> Something like an i 56500 , on a H 110170 board , and 8 GB DDR 4 2400 MHz RAM is a safe bet . <| sep |> I think having 0 artifacts is wrong <| sep |> If you have the money to budget , you ' re not overspending and there ' s nothing wrong on its face . The question I think you need to ask is more whether adding that additional money into Category A rather than Category B is more in line with your priorities . If it is , great ! I don ' t really think you have to change a thing . <| sep |> I ' ve been married for a long time , greater than 10 years and our finances still are not combined . We have a house , two cars and several other assets of significant expense . What benefits do you hope to get from this ? If the system you are currently using works why mess with it ?