How did you discuss with your SO on financial/retirement planning?

27M here. Have already gotten a BTO with my gf. Still waiting on HDB to call for 1st 5% down payment.

I’m looking to start discussing with her on how we can plan towards saving and investing for early retirement. She does not have much financial knowledge and not the best with money — has that “you never know if you’d die tomorrow” mindset (she does save and not spend all her paycheck definitely) and shys away from financial talks, whereas I’m at the opposite end of the spectrum where I try to save as much as I can but also when I need to spend or enjoy I would. Most of my take home are placed into CSPX.

Yesterday, I tried asking her some questions like when do you see yourself semi retiring/retiring, how do you intend to work towards that. I feel like the discussion wasn’t going anywhere.

How did you guys discuss with your SO on this topic? Were you both on the same page? Do y’all have a joint account for investing? How do y’all manage/plan your finances together (I think maybe most couples have a joint account?)? Does your SO know your net worth?