Want to pose a question

I will say that I have not read through both pages completely but felt compelled to comment. The "behind her back" thing will bite you squarely and very hard at some point. That said, the fact that this is even a consideration saying something about the relationship (not saying its bad or good). It seems that there is a desire to have some "play money" that the wife is not supportive of; IMO this requires a much larger discussion than opening a covert bank account.

I get it believe me, my wife is a stickler with finances which has been the source of issues more than once. That said, as a direct result of her efforts I am completely debt free and own a lot of crap (9 vehicles, 3 motorcycles, etc) so I have no right to complain (even though I still do). In our case, I do have a separate account that I have had since 86 (pre marriage); I have an amount of money that goes into it monthly specifically for my own use on the agreement that in times of emergency I will provide it for the greater good.