<prompt> Human: Currently my wife and I have a combined annual income of around 69,000 before taxes. A few months ago, we purchased a house, and while everything was a little close for comfort, I crunched the numbers and determined we could do it if we were smart with our budget and our spendingconsumption habits.We share a joint checking account for bills and have our own personal checking accounts. We have a set schedule for when each bill gets paid through the joint account and generally have no problem sticking to it.Every paycheck, I immediately throw 50 into a savings account and forget about it. I always know how much is in my bank account, and while I cut it a little close each payday, I dont have to touch the savings.My wife is the opposite. She never knows how much money she has and often forgets that she has pending transactions, spending more money than she should. For instance, today she overdrafted her bank account because she spent 100 on groceries a lot of which we didnt really need prior to her car payment going through. Our bank charges a 30 penalty for overdrafts. This isnt the first time this has happened.When I express how disappointed I am that she lets this stuff happen, she brushes it off and acts like it is exclusively her problem. She never acknowledges how this affects both of us and rarely learns from these experiences.I am getting frustrated because I am trying my best to make sure we are able to put money away each month, but I fear her habits and attitude towards finances are going to make it all for naught. I dont want to have to combine all of our money, because I like the liberty myself, but her irresponsibility really worries me.  <response>: You can either treat her like a child and give her allowance, or treat her like an adult and talk to her about the importance of personalfamily finance. Choose your love, love your choice 