Saving for me is an intellectual act, a spiritual act of my will. My wife and I joke about our differences on saving, but they're not that far apart. When you can agree on your money, what you've ended up agreeing on is your dreams, your fears, your visions. The other three, if you can be in agreement on them, religion, kids, whether to have them and how to treat them. And how to deal with crazy people in your extended family. Cause all of these things are representative of your values and what your beliefs are.