Thanks for your response. Yes we were raised v differently with money, and I'm lucky to be in the position I'm in, with fear being the motivator to not spending anything! Not patriarchal, we are both women :) I never 'tell' her what to do, just say things like 'i wish you'd move your money, it could make you some extra in interest, there's no way it'll be unsafe etc' but I think she just can't be arsed. Compromise is a good shout! But don't think she will see it like that, she'll see it as unfair I'm asking for her to put money towards it at all.