Your "oh, shit!" fund. Your marriage insurance. Your "my husband emptied the bank accounts and ran off to Miami with a mistress!" fund. Whatever you call it, it's that money you keep just in case the man you previously thought was high-value turns out to be garbage. Typically kept in a separate bank account your husband has no access to, and may not even know exists.
I know finances in marriage are deeply personal, but this is something worth discussing.
When I was married, we had no joint account. There was NO way I'd share my money with any male. I had $25K in my checking account alone. I saved my money, and he paid the bills. Men are supposed to pay the bills, and you're supposed to stash your money in case you need to leave him when he decides he doesn't like you anymore.