If your mate is domineering about money issues like Fred, knowledge is power. Sneak a peek at the papers he keeps hidden to find out whether he has kept your retirement savings on track. If not, supplement his savings with savings of your own, such as a retirement plan through work or your own IRA. Don't let him dissuade you. As you move toward financial independence, he'll loosen up -- he'll have no choice. As he begins to save more, let him know you appreciate it. Once he knows that discussing money will bring compliments rather than criticism, he may become more open.
Got a husband like George? Consider yourself lucky. Chances are you are in pretty good shape because he has been saving. Find out how much you have saved, and use a calculator to estimate how much you need to save. Then reassure him that you are on track, and convince him he does not need to make money the central focus of your lives.