A lot of it, gender biology aside, is also about personality style and temperament.
Sensor /Judger ( SJ ) types like everything planned out acccordingly, are less flexible, more about rules, regulations and ‘just the facts” maam.” haha
Intuitive perceivers ( NP ) types are more theoretical, abstract and free spirited, don’t sweat the small stuff and more likely to live in the moment types.
Kinda the “ant & grasshopper” theory, judgers want to save for a rainy day and worry about lack and deprivation, perceivers are about rallying at the last minute and figure things will work out, one way or another, in the moment. haha
Frugal vs. “what the hell, lets have a good time NOW.”
Cautious vs. carefree
Ridged vs. flexible
Worrywart vs. ” Meh….it’ll all work out.”
Of course it’s also about balance, and often in relationships, personality style aside, one person carries the finances more than the other so they don’t stress as much because they aren’t the ones crunching the numbers and figure things will work out, because they always have. lol
I have friends like this, she is more frugal and he is a total spendthrift, live in the moment because you might be dead tomorrow type.
She is planning on living to be 900 and tends towards hoarding everything while he is Mr. expendable. lol