I like to pretend that joint accounts involve a make-believe sweetheart. All you have to do is create a joint account and then chatter away with yourself. Benefits include: no one nagging you to find a mate; no condescending, single-related pity; no surprise set-ups (this includes friends/family setting up online dating profiles); and no need to change your lifestyle at all! Imaginary boyfriends don’t care if you leave your undies soaking in the sink or hook-up with randoms at a bar.