My fiance and I have very different money habits and beliefs. I like to have consistent income, save for retirement, budget… and he likes to work only when he has to / feels excited about the project, doesn’t believe in retirement, spends what he has…

We have a lot of our finances mixed bc we live together and have a business together (I do additional freelance work to bring in consistent income). But as we’re getting ready to get married, and want to combine our finances, I’m not really sure how to respect both of our money beliefs while not getting resentful.

He goes through periods of not working on paid work (he’s a super hard worker but often doesn’t work on things that he wants to charge money for) and I end up floating him during those months. This current one has him owing me over $5000, which feels really uncomfortable to me bc it makes money feel tight, and I go into thought spirals of “I could’ve spent that money on…”

I know I can’t control his thoughts or actions, but do you have any recommendations on conversations to have, systems to try, to get to a place that feels good?

A part of me thinks that I should just focus on making more money so it doesn’t feel like a stress, but that still has me feeling resentful…