You're allowed to argue about money without making each other the problem. The problem has a name: history. Name it, then spend like teammates again.

The thought behind it

You are allowed. That is the entire argument, made without sentiment and without asking anyone else to agree. Couple treats love as a choice made again on the ordinary morning, not a feeling that happened to you once. The line turns on “17” — remove that single word and what is left is advice you have already ignored.