In Week 5, we emphasize starting from curiosity, not confrontation. Try: “I noticed the credit card balance seems higher than usual. Can we look at this together? I want to understand what’s going on so we can tackle it as a team.” The key is creating a safe space – we’ve seen in the course how partners often hide debt out of shame, not deceit. Use Week 5’s “Money Conversation Scripts” to practice non-judgmental questions like “What’s the hardest part about this for you?” instead of “How could you?!”