According to the class e-reserves article, What you need to know about Couples & Money, when it comes to combining finances, what actions are recommended? Select one or more: a. Maintain a separate checking account O b. Have a credit card in your name. c. File tax returns separately. d. Use one person's income to qualify for a house O e. Combine retirement accounts. According to the class e-reserves article, What you need to know about Couples & Money, when it comes to combining finances, what actions are recommended? Select one or more: a. Maintain a separate checking account O b. Have a credit card in your name. c. File tax returns separately. d. Use one person's income to qualify for a house O e. Combine retirement accounts