He wants to save every rupee, I want to enjoy life. Is this a difference that matters?

The financial philosophies you've observed are significant and merit serious consideration. His preference for extreme saving, to the point of not buying a house or even a new car, directly clashes with your desire for comfort and enjoyment. This isn't merely a preference for different brands; it's a fundamental divergence in how you envision your shared life and future. Imagine how daily decisions, from groceries to vacations, might play out. If one partner views any non-essential spending as wasteful and the other sees it as necessary for quality of life, these differences will likely intensify over time. While family approval is valuable, a marriage thrives on shared values and mutual satisfaction. Constantly negotiating every expense, or one partner feeling deprived while the other feels their hard work is being squandered, can create deep resentment. Bridging such a significant gap requires more than small compromises. It means one or both of you would have to fundamentally alter your core beliefs about money and lifestyle, which is a very difficult path. Consider whether either of you could truly be happy living the other's ideal financial life, or if this difference is too foundational to reconcile without significant personal cost.