[professoretc]

That's the missing ingredient that can make merged finances work: both partners have to have the same respect for money and not spending it unnecessarily. My wife grew up in a wealthy household where the attitude was something like "Who cares if you break/lose it, you can always buy a new one/pay someone to fix it." Whereas my family was fairly frugal, always tried to make do with what we had before buying anything, etc. This has caused some friction since she's been staying home while I've been working.