You and your wife have made several key decisions that indicate you are on the same page with money and will be successful: 1. You will live on less than you m

You and your wife have made several key decisions that indicate you are on the same page with money and will be successful: 1. You will live on less than you make 2. With the extra money, you will pay off your debt. 3. Once done with that, you will build up savings so you won't need to borrow for emergencies. You correctly point out that communication is the largest issue here. However, before these couples can even communicate about their financial situations, they will need to understand them first. I think that anyone that does not have at least a vague understanding of what their financial situation is not yet mature enough to be married.