Just a little bit goes a long way.

Try and shock the unresponsive spouse. A financial planner can be helpful because he or she's an objective third party who can point out you're not going to make it at this [savings] rate.

To be honest everything goes over my head a bit.

If anything, he might be a little bit naive about what goes on in this town,

It goes much deeper than that.

It's still important to be across the asset classes. A bit of everything goes a long way.