Being a financially effective couple has nothing to do with being rich. It has to do with managing the money you have and allocating it effectively toward the things you value and want to do in life.
This can help you eliminate spending on some things you’re both paying for and get a sense of your actual shared bills to utilize your joint account better and start spending as a team.
By creating buckets, for example, using the 50/30/20 rule (50% on needs, 30% on wants, and 20% to savings), you can start effectively planning with your money rather than just saving and spending sporadically.