Most of it can be done in an evening, and only one part needs the two of you in the same place.
- Recording your finances — around ten minutes between you. Either of you can enter household costs; each of you enters your own income and personal commitments.
- The questions — around five minutes each, on your own phone, whenever suits you.
- Seeing where you agree — a few minutes of reading.
- The agreement — this is the conversation. Give it half an hour somewhere you can talk.
- Your plan — immediate, once you have both accepted.
You can stop at any point and pick it up later. The questions remember where you got to.