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Do your spouse and you share the same monetary strengths and weaknesses? Are you aware of how you differ? When two people combine their finances it does not have to create madness. Two like-minded people WOn't have an issue determining direction or agreeing on goals. It does not always happen like that. You still join together with a united front that is monetary and can have unlike money philosophies. A secure life after retirement. Their plan is to save 10% of their pay check in a retirement fund. They don't make the same wages, so one invests more. It doesn't mean they're not doing their fair share. By saving 10%, they possess the exact same vision and put equivalent attempts.