Group 1 - The core issue revolves around financial tensions in a long-term relationship, where one partner is focused on budgeting and debt reduction while the other is more spontaneous with money [2][3]. - The couple has accumulated approximately $60,000 in debt and earns around $10,000 monthly combined, highlighting the financial strain they are under [1]. - The lack of a shared legal or financial structure due to their unmarried status complicates their financial discussions, leading to repeated arguments [3][4]. Group 2 - The financial dynamic is characterized by separate legal responsibilities and income, which means that lenders and creditors view them as individuals rather than a unified entity [4][5]. - The relationship has lasted eight years without a clear decision on moving forward, which Ramsey suggests is essential for financial and relational prosperity [6]. - Premarital counseling is recommended to address differing financial styles and to establish a common direction and expectations if marriage is intended [7].