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Everyone in a space sees everything in it; a role decides what each can change. What’s yours alone stays in Personal.
1

Make a space

Tap the layers icon on Home, then New Space. Name it (“Household”), check its Currency, and tap Create. On the web, use the switcher in the sidebar.
2

Tap Invite Someone

On the space’s page (on the web, Members in the sidebar, where the invite is on the page).
3

Type their email and check the Role

It starts on Editor, who adds and edits. Admin does everything, and Viewer views. On the web, the role sits beside the email. Tap Invite.
Someone already on Recontrol joins at once; anyone else is emailed and joins on signing up with that address. A pending invite waits under Members, where you can revoke it. To change a role or remove someone, tap them in Members (with Undo; what they recorded stays). Roles › Custom Role… makes your own. See Spaces and who pays for a space’s banks.