<prompt> Human: My SO and I 34 27 make relatively similar salaries annually. I have about 30k in savings, 3.5k in my 401k, 15k of low interest student car loan debt. He doesnt have a savings acct, has some money in his 401k and 50k in credit card, school, car debt. He cant have a credit card because he gets himself into trouble, whereas I have 3 - one I have had for almost 10 years that I keep my Netflix subscription on, and 2 rewards cards that I use in tandem to maximize reward points all are paid in full monthly. He has terrible credit and my lowest score out of the credit bureaus is in the high 790s. We are open with one another about finances, but recently I think he is a little resentful of me because wehe have had two emergencies in the last month that I covered because he wouldnt have the money until payday. He paid me back on payday. I think it seems to him that I have limitless resources, but really he makes more money than me at a baseline level roughly 5kyr and he has more potential for supplemental income throughout the year. I still manage to save at minimum 1k a month, and we are pretty fair about splitting joint costs food, entertainment, sharing driving to places so its not like he is subsidizing me. My question here is how should I start teaching him about money? He grew up poor and I dont think anyone ever taught him about savings or interest or consumer credit. He says he is willing to learn or have me help him, and at one point said he just wanted an allowance and the rest of his check could go to a joint managed by me account. Note: I think there are better ideas than this But he is sensitive to thinking Im judging him - which I try not to do, the past is the past, but if he makes the same choices in the future I will be very unhappy. The sensitivity over what might happen makes him never want to talk about money, or just push the conversation off each week.I really want to be with him, but I have a hard time being with someone who is ignorant about money. At this point, I feel like we couldnt buy a house or have children, and we definitely couldnt do both, without going broke. I have tried thinking about where to start, and I dont think jumping into what I do will work for him. I was never really taught about money, I just had one very spendthrift and one very frugal parent and I have done a lot of math and moneycrediteconomy study. The most recent example of how what I do wont work: I only buy things if they are on sale, and I typically keep a file of things I want and a feature comparison. I also have a 1-in 1-out policy with clothesshoesstuff. So lately he has been looking for sales and not buying things unless theyre replacements, but hes replacing newish items with inferior quality ones that are something like buy one at full price get another 20 off. So in short, I know I cant do a do what I do type of teaching, but I dont know how to get him started. I tried being hands off and saying go get an account on mint and look at unbury.me but that just gets a ok, I will later. I tried introducing Dave Ramsey material with the baby steps chart and I think I also approached that poorly. I really need either help putting together a plan to introduce this stuff to him, or anecdotes of how this went for others. In the extreme ultimatum case, I would rather handle his money 100 for him and give him a small allowance than break up with him over financial ignorance. I just feel that both of those scenarios could be prevented if I could get a good plan in place to help him help himself. Tldr: how do you teach an adult how to start saving money get out of debt?  <response>: Borderline relationship issue mire than finance. If hes not willing to educate himself, or gives up to easily, it might be a lost cause. One that will always be an issue in your relationship.Remember, money problems are the number one reason for divorce! 