He spends 40k a month on emi for a watch and I check the price of tomatoes. Does this work?

Financial habits do not magically align after a wedding ceremony, and anyone telling you they change is ignoring reality. When someone casually mentions paying a forty thousand rupee monthly loan for a luxury watch while you are carefully budgeting for household essentials and medication, you are looking at two entirely different universes of money. The issue is not just about numbers on a paysheet, but about the underlying anxiety each of you attaches to spending and saving. If he treats a massive debt for a luxury item as a normal conversational detail, his baseline for financial risk is fundamentally foreign to yours. You carry the weight of your mother’s recurring medical expenses, which means every rupee has a specific purpose and safety net attached to it. Sitting across from him at a cafe three weeks into an arranged match is the right time to test this gap. Ask him directly how he plans to manage household expenses if his loan commitments remain this high after marriage. You might feel awkward bringing up money so early, but the cost of staying silent is far higher than a momentary social discomfort. Listen closely to whether he sees your caution as prudence or as an inconvenience to be fixed by his income. If his answer involves telling you not to worry while continuing to accumulate luxury debt, trust the picture he is painting for you right now.