<prompt> Human: Hey, rPersonalFinance. Not sure if this is the right place, but Im looking for some advice around my situation. Perhaps it belongs in rRelationships?Im about to graduate medical school with a very reasonable about of debt 50k, having juggled scholarships and a lot of part-time work while going to school it wasnt easy. Im not too concerned about paying off my remaining debt because Ive grown up with good financial habits and Im a very frugal person. I cook most of our meals and dont drink or dine out, what little clothing I buy comes from thrift stores. I minimise my expenses as much as possible i.e. cardio is cheaper than a gym membership, library cards up the whazoo, know your cheap wines, etc. Im perfectly happy to save money like this because it allows me to go backpacking and travel internationally during term breaks, which is what I value most. Im pretty proud of my financial habits and Im hoping its going to translate well when I begin working. Ive yet to sit down and draft a solid 5 year plan, but Im hoping to travel a lot more and begin savinginvesting large portions of my income. Ive matched in a highly competitive training program and I appreciate that my income is going to be comfortable as long as I dont fuck up. I feel undeservedly fortunate.My finacee is working in IT and earns a fixed salary 45k, without many options for promotion. Weve been living together for about 3 years and all our expenses have been evenly shared, despite the disparity in our income while I studied 5050, straight down the middle. I didnt necessarily begrudge this because Im proud of my financial independence, but Ive recently become aware of how divergent our money habits are. My fiancee spends the vast majority if not all of their remaining income on personal hobbies and shopping. Ive felt hurt on days where I couldnt bring myself to buy a 15 skirt, while they would regularly spend 400 on a collectors item without so much as a second look in my direction-- Though I recognise its not my place to begrudge others for how they choose to spend or not spend their own money. Whenever I broach the subject of our respective financial situations, fiancee becomes defensive or avoidant. This frightens the living heck out of me. They dont have any personal debts that Im aware of, as theyve paid off their tuition and we dont use credit cards, but neither do they have any savings. As far as Im aware, whatever money is left after they pay their share of the expenses goes straight towards buying themselves things. Im worried that their terrible financial habits are going to burn me in the long run. Ive floated the idea of a prenuptial agreement, but it was really poorly received-- Its basically not up for discussion. I love this person and intend to spend the rest of my life with them, but I also recognise that conflicting financial behaviours betray a much deeper incompatibility in relationships. How do I go about protecting myself, my future earnings and broaching this conversation with my fiancee?  <response>: Whenever I broach the subject of our respective financial situations, fiancee becomes defensive or avoidant.This is all I need to read.If they become defensive and avoiding, this is a relationship problem first, financial problem second.Part of being married is becoming a team and actively communicating all aspects of your marriage.This frightens the living heck out of me. They dont have any personal debts that Im aware of, as theyve paid off their tuition and we dont use credit cards, but neither do they have any savings. As far as Im aware, whatever money is left after they pay their share of the expenses goes straight towards buying themselves things. Im worried that their terrible financial habits are going to burn me in the long run. Ive floated the idea of a prenuptial agreement, but it was really poorly received-- Its basically not up for discussion. This is a HUGE red flag.One if the top reasons for divorce is due to financial issues.I love this person and intend to spend the rest of my life with them, but I also recognise that conflicting financial behaviours betray a much deeper incompatibility in relationships. How do I go about protecting myself, my future earnings and broaching this conversation with my fiancee? You need to seriously think this over. If they cant talk over your finances, what other issues are they going to shut down on? 