Tip - How Should I Talk to My Spouse About Our Different Financial Habits?

Dear Two Cents, I'm debt-free and follow a strict budget. My wife has student loan debt, earns less than I do, and tends to be spendier. I'd like to combine finances and manage our money together, but I think I have to address our differences. How can I bring this up to her in a constructive way that will affect change?
Tags: Money, Personal Finance, Goals, Relationships, Marriage, Spending, Frugality, Saving, Ask Lifehacker, editor's picks, Two Cents