i had to really work on my dh for a while before we got joint accounts. and like i said, we're not all the way there. i think he always envisioned a partnership where the two spouses have totally seperate accounts and split all the bills down the middle or something, but he married someone who wants a very different set-up... so it has been an extended and somewhat complicated conversation to get where we are right now.
i'm glad you're getting somewhere. just keep clarifying in your head what you want your financial partnership to look like and keep the conversation going. our husbands may not fully understand just HOW exposed and scary it can feel to be a young SAHM with no real job experience and no real control or information about the state of your long-term finances.
i have a lot of work to do in the finance department myself. i want to be a better partner when it comes to our long-term goals and savings... i honestly don't know how we're really doing in that department.