<prompt> Human: Tl;dr: Couple combining accounts for the first time, with somewhat different spendingsaving habits and bringing very different assets into the relationship. Any advice greatly appreciated! Context: My fiancé and I have been together for about 5 years, and will be getting married in July of this year 5000 already paid for by usnot a concern with respect to this post. Weve been living together for 4 years, during which time weve had separate accounts and different banks, and have largely split daily expenses 5050 though hes definitely covered more than his fair share of dates, entertainment, travel, and unforeseen household expenses. We are looking to combine accounts within the next 2 or so weeks he will be adding me to his accounts as Ill be turning 26 while still a full time student, and my bank really doesnt offer many solid options for me. My main concerns are:1 We are going into this in very different financial positions: he has a well-paying career, has been in the workforce for several years, and has consequently saved for a sizeable downpaymentemergency fundinvestment portfolio. Im still in medical school, and will be bringing nearly 100,000 of student debt with me by the time Im done largely government student loans, but also a professional student line of credit, and wont be able to contribute much financially for the next 3 years.2 We have different money management styles: he is a meticulous saver and monitors every penny that comes and goes from his accounts daily. He pays off his credit cards immediately, and has a very good credit score. While Im not horrible with money, I probably fall dead centre of the spender-saver spectrum. I dont accrue credit card debt that I cant pay, and generally dont spend much, but I dont exactly use a budget either Ive made some half-hearted attempts using Mint, etc, but they just havent worked for me. My approach has largely been to spend as little as possible, which has generally worked out ok, but I know I still splurge on certain things eg groceries, travel. Ultimately, Im just not as on top of things as he is. For example, I couldnt tell you how much Im spending on insurance, though I do have auto-payments enabled. I have a few late payments on my credit card 2 years ago, before my credit union enabled auto-payments, but do check my credit reportscore annually its not bad, but not nearly as outstanding as his. When Im having a tough time on an emotional level eg around final exams I tend to let things slip - for example, Ill get lazy and start paying for parking close to school to avoid an early morning walk 15 a day adds up quickly. I am also nowhere near as financially savvy eg as far as knowing what can and cannot be written off when filing taxes, etc. I havent been very motivated to learn either I just have no interest in moneyfinancial planning whatsoever. 3 Weve always operated fairly autonomously on the financial front more of a roommate-type arrangement and Im nervous about the logistics of managing money as a team eg how much must a purchase be to warrant a discussion as a couple?. I know what financial mismanagement can do to a marriage, and I really dont want to mess this up - especially knowing how much effort he has put into ensuring that we will be in a good financial position. Any tips, insights, or considerations to bear in mind would be greatly appreciated!  <response>: Nothing we say here will be as valuable as what you discuss with him. Hes got a routine, and he has to adjust to you being involved in it and that means you two need to have some honest, open communication, and come to an understanding. Then, you need to stick to it and not flake out on it because I just have no interest in moneyfinancial planning whatsoever. Interest or otherwise, finances are a fact of life and the only people who can ignore them are the ones too rich for it to matter, or too poor. 