Ats: The biggest obstacle people don't want to combine finances is because they don't want some one else to tell them how to spend. Ats: Josh and i budget at the end of every month, and we run through our t niceget a do it once a year only for wouldn't be very accurate. It takes doing this six times before you're kind of getting it right,. And most of the disagreements you're going to have are going to come out in those first six months.