While I am definitely NOT one of those women who suggests you have a secret stash and hide money from your spouse, I also am not one of those women who suggests you merge every last thing and only have joint accounts. It is imperative that you maintain your own credit, even after marriage. If you become widowed, you may find that all that joint credit history disappears along with your husband. The article below details the story of woman who experienced just that.

http://www.nctimes.com/articles/2007/10/11/business/bahr/20_16_0010_10_07.txt

I urge everyone, male and female, to maintain some type of credit in solely their name. This can be as simple as maintaining a credit card you had before marriage or putting a future loan (such as an auto loan) in one name vs both. A little foresight can save you a lot of grief later.