There are several synonyms for the phrase "cons of combining finances," all of which shed light on the potential risks and drawbacks of merging financial accounts with another person. Some possible synonyms might include "disadvantages of pooling resources," "negatives of joint banking arrangements," "downsides of shared financial responsibilities," or "risks of mingling money with others." Regardless of the specific wording, it's important for anyone considering such an arrangement to carefully weigh the potential drawbacks, including loss of financial autonomy, added complexity and stress in managing money, increased vulnerability to financial disagreements or conflicts, and reduced flexibility in making financial decisions. By being aware of these possible downsides and taking steps to mitigate them, couples and partners can make informed choices about how to manage their finances together.