This is a complicated question, with many answer selections. But I will toss my hat into this ring.Some have silent plans for thier money. A costly purchase, a weekend away, anything. One is afraid to vocalize their wants for fear being told "No."Another is that someone wants to save at any means. This is to ensure the ability to retire, or the strong want to retire as early as possible. Money is a funny ting.We all know how to spend it, but saving is another thing. And to think that we work because we have none of it, only to end of with little or none left at the end of the month.You need to get it laid out on the table very quickly. Put a pot of coffee on, strap yourselves in, and discuss/slug it out to come to a decision (only get up to head to the bathroom!). Do it before it becomes comes too late.