Values and goals are related. Understanding their interrelationship is important for communicating well. Values are the why behind our goals. For example, a goal may be to own your own home. Perhaps you value security, or status, etc.
Values greatly affect the way people spend money.
Values begin forming early in childhood as we learn what is important from our families and community. It is useful to remember that values are deeply rooted, very personal and determines the way we use resources such as money and time. As well, values influence the choices we make. Conflicts between partners occur when values are not the same, or are competing. Compromise is needed.