He is the type who wants to live paycheck to paycheck doesn't he realize there will come at some time in his life he will not be able to work and have that paycheck rolling in.
My ex husband and my husbands ex wife were both the same way. The reason DH & I are so compatible is that we share the same philosophy and goals. Most people don't really know how the other person will be with money until they tie the knot.
Toni, How did you get him on board I have been trying for years it takes 2 not just one to be on board.
DH had the long term big picture down about saving. His big thing was not incurring large debt and planning for retirement. When I unofficially retired in 2007 I felt the strong need to make up for not bringing in a paycheck because I've always worked. To make up for it, I went on a campaign to tighten our budget. DH never realized HOW MUCH we could cut costs by doing little things that have made a big difference. We are now painlessly living WAY BELOW our means and setting aside several hundred dollars a month for future projects and emergencies. Our ex's would never have tried any of the things that we do.
That is the main problem we have but my patience with this problem is about to the max.
I'm speaking in general terms here but some people are too comfortable living payday to payday and if there is $25 or $250 left over, its considered "Fun money" to be spent. The will inevitably spend that money before they even get a chance to see it add up in an account. Maybe its because they don't like to feel deprived or be told NO. Or maybe they see others getting what they want and feel the need to keep up with the Joneses. Another reason is that they may have never experienced or known someone who has hit really tough times so they don't make the connection that it could happen to them. They tend to "tune out" those they are in a relationship with so sometimes it takes an "outsider" (Dave Ramsey type) to show them where they can do better. Don't know if any of this makes sense or applies to your situation. Just relaying my experience.