I am 32 and living paycheck to paycheck. It's incredibly embarrassing and stressful. So I HAVE to get my crap together.

I currently have a debit checking account with a local bank that has branches in the surrounding states. I pay $32 anytime I have to overdraft, but as long as I have a direct deposit going into the account, I don't pay any monthly fees.

My fiancé (25) has a debit checking account, too, at a different bank in his home state. He has it set, so he can't overdraft, nor does he have monthly fees (that I'm aware of, it was the account his parents made for him when he started working at like 17).

We want to have a joint savings account of some sort that we put both our checks into and pull a small equal amount out for general personal spending. Like going to see a movie or buy the next book in one of our favorite series.…