Episode 20: Continuing with the discussion of how merging finances sets the tone for the relationship, Tracy examines the importance of coming up with a spending plan and not making it feel like a restrictive, uncomfortable diet. Tracy says your plan needs to cover six areas of family expenses and spending -- and urges deciding how to consider where money can be saved or needs to set aside -- but doesn't need to be rigid and inflexible; give and take in the planning process should allow the couple to make the most of their money now and in the future, without being derailed by emergencies or short-term needs.