In the past, I would often say that the biggest financial problems sometimes do not involve yourself.
Most likely, in your conversation with your close friends, some of them would complain to you about how their spouse can be out of control. Most likely, you would not provide any advice to your friend because firstly you may be well aware that you do not have good suggestions to help him or her.
Secondly, anyhow shooting any advice might make you the reason for a potential breakup.
It is always easier to structure a financial plan for yourself but if you involve parents, and spouse it becomes challenging.
The main reason is that in a relationship, we have to deal with not just our own financial and life challenges but possibly 4 different layers of financial and life challenges.
Before talking about the mechanical, mathy part of managing money, sometimes we got to handle the different sets of money stories.