[giantg2]

That's not entirely true. If someone is spending outside the budget and preventing those goals, then someone isn't paying/saving/contributing, regardless of their contribution or lack of contribution. At the end of the day you still need individual accountability towards the shared goals.

[whateveracct]

Yes both people need to embody "our" finances for it to work.

Which means - no your income/my income but our income. And no your spending/my spending but our spending.