February is a month of decadent chocolate boxes, long-stemmed roses, and big proclamations of love. That is, if Hallmark and the floral and gift industry have their way. Truth be told, saying "I love you" for the first time is often easier than the realities that come afterward — the effort to merge your life with someone else's. Only 11 percent of SavvySugar readers say they have never fought with their spouses over money, but I suspect that minority has at least debated the topic a time or two. Where do you stand on matters of the heart and bank account?