Every talk starts with two fair questions.

If we're a team, why would we keep anything separate?

Why should I have to explain every coffee I buy?

Am I going to end up responsible for debt I didn't take on?

Does this debt mean I have to carry everything alone?

Why don't you just add me to your card so we can both use it?

If you're on my account, who's on the hook when the bill gets big?

Isn't filing jointly always cheaper for married couples?

Why should I sign a return that makes me responsible for your numbers too?

Isn't splitting it down the middle the fairest thing?

Why should I end up broke every month when we split evenly?

Shouldn't we have six months saved before we do anything else?

Isn't it a waste to park that much cash where it barely earns anything?

Can we really live on just my paycheck for a whole year?

Will I still have a say in our money if I'm not earning any of it?

Why plan for splitting up before we've even bought the place?

If I put in more of the down payment, how do I get that back if things change?

Why are we paying two premiums when your plan could cover us both?

What if one plan is cheaper on paper but leaves us worse off when someone gets sick?

Shouldn't we have every account and policy sorted before the baby comes?

Can't most of this wait until we actually know what we need?

Won't combining policies save us money?

What if your driving record pushes my rate up?

Shouldn't we just insure whoever earns more?

What about everything I do that doesn't come with a paycheck?

Isn't this what a will is for?

What if an old form still names someone from years ago?

Do we really need to sit down and talk numbers before we move in?

How can we sign a lease together without knowing where we each stand?

Why do you shut down every time I bring up money?

Why does every money talk feel like I'm being graded?

Can we go through everything properly, at least once a year?

Does it have to be an all-day audit of everything we've spent?