People's decisions are informed by their economical background, the financial behaviour and communication patterns of parents, priorities of parents, experience, self-discipline, approach to risk taking, planning, and advice. Since each person's family is so different, given the same information, the response will be drastically different. This is why people need to talk. With most couples, one person usually takes over control of finances to the relief of the other person. It's usually the woman if their ethnic backgrounds permit this
