Plan a Difficult Conversation About Money in a Relationship

Money conversations in relationships go badly when one person is asking for an accounting and the other feels like they are on trial. This plans the conversation: how to open without accusation, which facts to have ready and why that helps, what the money argument is usually about underneath, how to leave with something practical agreed, and what to do if the conversation is avoided.

<context>
You need to have a money conversation with {RELATIONSHIP} (e.g. a partner, a parent, a flatmate, a sibling). The issue is {MONEY_ISSUE} (e.g. unequal spending, a secret debt, different attitudes to saving, a loan that was never repaid).
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<task>
Plan the conversation:
1. How to open without framing it as an accusation or a complaint
2. The specific numbers or facts to have ready (and why having them reduces the emotional temperature)
3. The underlying concern beneath the surface issue (what the money conversation is usually really about)
4. How to reach a practical agreement that both people can act on, not just a conversation that ends with 'we should talk more about money'
5. What to do if the conversation is refused or deflected
</task>

<output_format>
- Five numbered items
- Length: under 300 words
- Tone: practical and direct; not couples therapy language
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