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We're newlyweds, too, and facing a big ole debt, so i can sympathize.

Forgive me if this is incoherent, but I just woke up and didn't have coffee yet :)

Can you have both names on the zero balance card so you won't feel as though it's you shouldering the debt? If not, then maybe focus on the fact that it might be a trust issue, which is common when you're conjoining finances.

Finances can be really tough to deal with in the first year of marriage and you have to keep the lines of communication way open. Can you express your apprehension to him? It's good that you're talking about these things in debt while engaged.

Good luck!
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