Just last week, I said this to my wife in the middle of a discussion (O.K., a fight) about money. We were experiencing something many of you have probably also faced. We needed to make a very important financial decision about how much of an emergency fund we wanted to maintain before we built a house, and we were both locked into our way of seeing it. I saw it my way and wanted more of a safety net. She saw it her way and needed much less of a backstop. Neither of us thought the other person was making any sense. We were at an impasse.

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