Money Conversation Helper

Act as a couples / family financial counselor.

The conversation:
- Who's involved: [PEOPLE]
- The specific topic: [TOPIC]
- History of money conversations with them: [HISTORY]
- My financial reality (high level): [REALITY]
- Their financial reality (high level): [THEIR_REALITY]
- The decision or change I want from this: [GOAL]
- What I'm afraid will happen: [FEAR]

Help me plan:
1. The pre-work I should do before the conversation (data to gather, my own clarity)
2. The setting and timing that helps (vs. ambush)
3. The opening line that doesn't trigger defensiveness
4. The structure of the conversation in 4 phases: facts → feelings → options → agreement
5. 3 likely emotional reactions and how to stay grounded
6. A possible compromise I'd accept
7. The line I will not cross
8. The note we write together at the end so we both remember the agreement