Lsbcal
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Sounds like you are well grounded and maybe he is more spontaneous ... motorbikes and fun come first. Some people just do not want to plan and sometimes they will be OK with the spouse doing the planning with their input. The problem is that if you are responsible, and he is not quite responsible with money....(snip)...
Perhaps our relationship is stronger than I think, and could survive him traveling alone. But I don't think he would go alone, unless it was motorbike-related.
I agree that we may need to talk about financial matters. He has talked about wanting retirement savings and planning to join his work pension scheme and save a large part of his income each year. But then he gets distracted by things he wants now - currently distant travel. I might need to remind him of the other goals.
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If an emergency or old age comes up what happens to your funds? You cannot just walk away when you love a person. So to preclude this you both must be contributing to the financial goals.
For you two, maybe the best thing would be for him to get some very responsible, reasonably priced planning. Something like a Vanguard if it exists in NZ with a fee only person (they do not take control of the assets to assets) for motivation and reviews.
Just some thoughts across the ocean.