I believe financial alignment is a must once the relationship is reaching the stage of marriage. Failure to have alignment in this area is one of the biggest reasons relationships/marriages fail. I need too know how the other person views personal finance and what their financial goals are. I'm a firm believer in living by a budget and knowing where every penny is spent.
I too believe in having a joint account where all of our money is initially pooled. We will then pay our bills out of it. We'll also have a joint savings account for emergency funds and investment purposes. A certain percentage of our monthly income will go into that. I do not want our monthly expenses to ever exceed 50% of our income. I'd be most comfortable around no more than 30% .
Once our necessities are taken care of along with our savings and investments, we'll split the left over as our walking around money, spend as you wish.
When I was much younger it did. But as I've gotten older I have learned that I must step out of my comfort zone in order to grow. I also think that growing up playing sports helped nurture a very competitive spirit within myself. I hate losing! Having said that, even today when I'm doing something new for the first time I will still get a nervous feeling. But then I think back to all that I've done for the first time that seemed scary at first, but was really not that big of a deal that I had made it out to be in my head. Like a small child ripping that band aid off. Just get on with it!
What keeps me from allowing timidity to win is the fear of regret. I'm afraid that I'm letting my future self down. Afraid of not trying!
I dated a cancer once and it was a very healthy relationship. It was during our teens and it ended because I moved out of state. I never really seemed to come across many cancer women since. Not sure how much of an attraction could be there. It seems like it could be a good pairing though.