My husband and I have always been on very different pages financially. He just wants to spend it
and I worry about every thing possible. I actually enjoy handling our finances, but it is something we still have a hard time sitting down and talking about, unless we're already prepared. What we have found that works for us is keeping a goal list. He sits down with his list of financial goals, and I sit down with mine. Their always in the desk, and every time we make a significant change in our finances, or meet one of the goals we re-adjust them. I know excatly what he's expecting to happen with the money, and he knows what I want, and then it's easy to compromise. It's allowed us to have our very different goals right out there without needing to "argue"
about them. We both know exactly what the other is hoping for, and so I'm able to plan for both of our goals.