Money Woes Won't Improve Over Time

I am afraid that what doesn't get better gets worse. You are far less likely to come up with a workable solution after you're 'stuck' with each other so I wouldn't advise waiting until later to handle this issue. The problem that you are having is called a value conflict, a monetary value conflict to be specific. No matter how much you discuss the issue, you will never agree, precisely because your values differ.

To try to impose your values on her is no more Kosher than her trying to impose hers on you. Values make up the core of an individual, and it isn't appropriate to ask an individual to relinquish who he/she is. If we accept that neither of you can alter your values, what can be done to resolve your conflict?

The first thing that needs to happen is for both of you to respect your differences. You are both to stop trying to strong arm each other into giving up your positions. Since your positions stems from your values, you must respect each other 's position. Then, coming from this place of respect see if you can devise a plan that blends both your values. Your goal isn't to crush the other or shove your way down the other's throat.

You need to collaborate and come up with a plan that works for both of you. Such a plan might include your saving less than you want and her saving more than she wants. If you both collaborate on the deal and feel comfortable, you might be able to work this out. The key is to come up with a plan that you both can live with so that you don't resent each other down the road, which would lead you both to reneg on the deal. Let me know how you make out. I am interested to hear.