There is currently no workaround for this short of avoiding marriage entirely.
But you’re right, when two Sims get married, their bank accounts do not wholly combine. It’s a bug probably-we can’t imagine this would actually be a design choice. One Sim had a bunch of money, and moved into her new husband’s house… but now her money is gone! Is it just somewhere I’m not seeing? The Sim in question, regardless of age, will be teleported to his or her home lot with mood meters reset. So if I wanted to reset my namesake, I'd type "resetSim Pyro Falkon" without quotes. Hit CTRL + SHIFT + C, then type the following:
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