<prompt> Human: The SO and I have agreed to start more formally discussing our finances. We got engaged almost 4 months ago, but a wedding is not in the cards right now time, money, life, blah blah blah. I feel like talking about money before we start planning our wedding will be a good idea. But Im not sure how to actually start. Or what to actually talk about. My suggestion to him for tonight was just to talk about where were at today. What we have, what we owe, the basics. Other ideas?  <response>: Id say before even talking about what you currently have talk about what your life goals are and how money is going to effect that. For instance if one of you really wants to buy a house but the other doesnt care about being a home owner. After you get he big goals established start working backwards to see what is needed to get those goals accomplished. This is a good place to start because it will reveal what both of you find financially important, how you both go about achieving financial goals and will reveal what already exists. 