You need to seriously discuss your finanical issues and ideas. This is something that you need to agree on before you ever get married.... I would recommend visiting Dave Ramsey's website
www.daveramsey.com
He is a financial guru and I'm sure you can find some excellent advice there.
I highly disagree that 2 separate accounts will solve ANY problems - probably only create more (more mess to keep track of); it would only be a temporary band-aid but wouldn't really solve any problems. You need to have some serious discussions about this, about your future, about your goals, and how your financial spluring will impact all of that.
