<prompt> Human: Hi guys, my boyfriend is naturally pretty good about being frugal with his purchases, so he doesnt think he needs to budget. I have 100k in debt and he has around 3k. I am under the impression that our debt together is unmanageable without a budget. Ive been trying to convince him to use YNAB with me, but he is very reluctant. What would you say to him about the importance of following a budget?Thanks in advance.EDIT: Okay, I probably should have been a little more specific. He has expressed to me that he wants to combine our money and debt. He is interested in using the snowball method so once his little debt is gone, we can put more money towards mine every month. I also keep track of his bills for him because he is not great at keeping up with them. I am under the impression that if we budget together, we can start snowballing and he can start keeping better control of his debt and bills. I may be the one with major debt, but I have been paying beyond the minimum on my loans for months. Weve been together for 5 years and have talked about marriage quite a bit and are basically waiting until my debt is more under control. We just moved out of our parents house and are trying to get our lives in control and more importantly, our finances under control. All of these reasons combined make me believe that a budget would be good for him to try out.  <response>: I am under the impression that our debt together is unmanageable without a budget.Perhaps hes just wary of thinking of 103,000 as your debt together? Im sorry but in his position, I would avoid merging our finances as long as possible. 