If you want to give specifics we can be more, well, specific. But in general, I was thinking along these lines:

"You're anxious about the mortgage. Are you afraid we're going to lose the house?"

"The credit card balance seems to be scaring you. Are you thinking we won't be able to pay it off?"

"You're right; we spend too much money eating out."

"Yes W, $150 was a lot for me to spend on a manicure and hair tint, but I needed to feel pretty that day. I'm sorry."

You know, stuff like that.

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