You and your partner can't agree whether to combine finances

This is worth reasoning through calmly, because it is not really the argument it appears to be. Three clarities: there is no one right arrangement — separate, combined, or blended each works, so the question is which fits the two of you, not which is correct; name the fear each arrangement touches, since one of you likely hears combining as lost independence and the other hears separateness as lost trust, and those fears are the true subject; and once named, design an arrangement that meets both needs — shared money for shared life, some autonomy preserved, transparency without forced merger. The aim is not for one vision to win but for both of you to live without resentment. Let us find what each of you is really protecting.