Money's often stressful, not because my husband likes to go into debt, thank goodness, but because he is more focused on what's happening in the next couple years rather than the longer term. As long as we're not overdrawing, he's happy. I'm worried about everything down to retirement (neither of us want to retire early), while he thinks retirement savings is something we do maybe later.
We're not completely out of debt. We have:
$9.4k @ 2.2% (my student loans, gone in 5 years, no sooner unless I kill the next loan and get my savings balances up before then)
$21k @ 6.5% (his student loans, gone in 4ish years if we don't pay any extra)
$1.9k @ 4.84% (car loan with a prepayment penalty :p , gone in June)
Also a $107k @ 3.875% mortgage.
We do have some retirement savings. We started late because of grad school for both of us and lack of retirement plans at my husband's jobs/lack of interest on his part. In my job I put in 10% (of $52k) and my employer puts in 9.5% (plus 4.5% to a "retiree medical account" at a puny 4%). I'm also putting 4.5% into a 457(b). My husband's full-time job just added a 401(a) (defined contribution) for him that they deposit 9% (of $34k) into. At his part-time job (~$20k) he has a SIMPLE IRA with lousy investment options and a tiny match, so I'm putting in $1.2k annually on that. Right now we have $124k in retirement savings. I'm 34 and my husband is 32, so we're behind schedule, but made a lot of progress last year.
I've actually been in charge of tracking money, planning savings, paying bills, etc. for years now. My husband's not really interested in how our finances are going, though, if I try to tell him it's kind of in one ear and out the other. He was interested when we were saving to buy our house. He needs to have an emotional investment in it, I think. I can tell him we're spending way too much on Z, but if I can't get him to feel like we should be putting money into Y instead, he just says, "We can't cut back on Z, I like it." I just told him I thought we needed to cut some spending to save for college and he said, "I think we just need to do it." I told him he'd be asking me, "Why are we overdrawing??" if we just did that without cutting back, and he said, "We'll make it work!" Ok, then DON'T COMPLAIN when all you get to eat is rice and beans! >D