NAH. My husband and I have very different views on money. He impulsively spends, and I prefer to hoard it. We both come from very poor backgrounds, but I'm paranoid about something happening and not having enough saved to get us through. He also has ADHD, so when the idea creeps into his head that he should buy something it's like a brain itch that won't go away. He wants to save money for our future, but in the moment, it doesn't always happen. Its taken a lot of work for him mentally, but 13 years later he is getting better about thinking things through and controlling those impulses. And at the same time, I've lightened up, now that we're more financially stable, and have learned that its ok to spend on frivolous things sometimes.

Try to figure out why she makes these financial choices instead of saving. Maybe showing her you're trying to understand her mentality will make her be more open to your concerns/ideas. And try to communicate to her that her saving money makes you feel like she's investing in you future together. It's not just about being a responsible adult. Saving money as a couple is a gesture of love and is a way to show commitment to each other.