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In a marriage, you will have difficult conversations. It's going to happen, and sometimes, these conversations may involve financial issues. It's a well-known fact that many married couples list financial difficulties as being a primary cause of strife and conflict.   The key is to realize prior to sitting down and having this conversation together is that you don't want the conversation to take an angry or fearful tone. Instead, you want to approach the discussion about the difficulties with a calm mindset. Both you and your spouse need to simply take a deep breath before you start, and realize that the two of you are doing better than most by simply taking action steps towards sitting down together. It's the first step to becoming a truly unstoppable team.   I highly recommend that you don't start out the initial conversation with a bunch of spreadsheets, charts, graphs, diagrams, etc. It's time to discuss the emotional side of things and get that out of the way first. It's time to address the possible fear