Problems in money management has been the leading cause for divorce.
A couple who does not talk about the money and ask the questions such as: what are our plans? are we gong to use a retirement plan? are we making a budget? what is on the budget? etc. are more likely to argue about the money and how it is being spent. It is because of this that when the couple goes into debt, blame and frustration always arise and the couple is unable to think clearly about the situation nor are they able to think clearly about their spouse.
Communication and planning are very important, but sticking to that plan is even more important. When a plan is made but one or both partners betray it, blame and arguments arise. The sense of betrayal creates a deep wound and takes along time and much work to fix the damage done, though the memory will never leave.
Mind that it may be very hard to make and keep a budget, but it is very much worth it.