I did another round of budgeting recently. Although my pay is "high", but most of my expenses are fixed expenses that cannot be reduced. e.g. Children's school fees, mortgages, etc I felt quite demoralized after that, and I told my wife about it. My wife's initial reaction was "so, what do you want me to do?" I was offended but in the end, to cut a long story short, we did have a good conversation on our financial goals. I realized although we are married for almost a decade, we did not really sit down and talk about each other finances. Only recently, did she realize how heavy the family expenses were when it is shouldered by me alone. She is not spendthrift, and save quite a lot through these years. She also opened up her finances for me, and only until did we know each other "assets" ......