Figuring out the money situation is one of the hardest things to do when you first get married. Going from 2 to 1 "pot" of money is sometimes awkward and uncomfortable - especially when the weight falls more on one than the other. My best advice is to try to get out of the mindset of what is "mine" and what is "yours". IMHO once you get married - there is no more separation. It should all go in one account and budgeted accordingly. Each of you needs to have some "play" money to spend on whatever you want. A good rule of thumb is to decide on a set amount ................. say $100 if you can swing it - less if not. That can go into other accounts or just come out as cash and go in your pockets. When Hulky gets done with school and starts working everything will get easier. At least until the babies come and then there are bigger choices to make.
I think you're doing a good job working it out