<human>: Can you condense the text into a few key points?

My (27F) fiance (30F) of two years is always hesitant to spend money up front on her health and physical well being.  How do I convince to her that I need her to start making taking care of herself a bigger priority for the sake of our future.

 We were together a year before I finally convinced her to get health insurance and I had to practically beg her.  Money is tight for us, I'm a student and she has student debt.  She also comes from a poor family and tries to be very careful with money.  On the opposite foot though, every time I've gotten sick, she's always insisted I go see a doctor regardless of cost.

Just yesterday she got a nail in her tire and I helped her change it.  When we looked at the tire we realized it had been worn nearly all the way down, She said she'd known she needed to change her front tires for half a year, but didn't want to spend the money.  She even admitted that on closer examination it looked like either of the front tires could have easily had a blow out.   This from the same woman who told me to go see my mechanic last time my car made weird sounds. (which was good because it turns out my break pad was about to break)

I'm frustrated an a little worried about her.  I love my fiance, and her health and safety are incredibly important to me.  I don't know how she can just disregard them when she values mine.  We're getting married.  The financial decisions she makes aren't just her own anymore.  If she got sick without insurance, or had a car accident because she didn't want to buy new tires yet, this effects both our financial futures.

How do I talk to her about this in an honest and loving way.  I understand how she feels about money, but I need her to start talking with me about it when she thinks she can't afford something important.  Then we we can budget it out.
<bot>: ! My fiance hates to spent money up front on health insurance or new tires and I'm afraid it will endanger her or cause us long term money problems.