<human>: My boyfriend and I very recently started living together. We've been together for 2.5 years. I just found out he's been hiding a $3K loan from me (on top of the $5K loan I already had to push him to pay off). He has a good paying job (I'm currently unemployed, as I just finished school and moved to a new city).

Money really freaks him out. He loves to see how much he's made, but also spends frivolously. I can also spend my money (when I was making it), but I always knew I could pay for what I was buying and am very aware of my finances. He doesn't even look at his bank statements or at past-due bills - some of which have already been sent to collections.

How can I approach financial issues in a way that wont sound like I'm hounding him? I recognize that I too have been in the wrong and I want us to work together to be financially stable.

Side note: I've also made an appointment at my bank for next week to sit down with someone to discuss finances in general, so that I have the knowledge to bring forward to the relationship.

Provide a brief overview of the text.
<bot>: My boyfriend refuses to talk about our finances. I think it's very important. How do I approach him about it?