I'm at the two year mark with my boyfriend. I feel like we're nearing the decision of whether we should get engaged or not. But, talking finances, he spends his money in a way that I don't agree with and I personally find wasteful. When is it appropriate to start talking about finances?? Every time I try to bring it up he talks as if he'll always continue spending this way regardless of what I think, but it's a very specific form of spending that I don't find sustainable in a marriage. How do I talk with him about it? I can't agree to marriage if we don't work issues like this out, yet how can I talk to him about joined finances if we're not engaged yet?? I don't know what to do 😩 What's the appropriate thing here?