Generate a full detail guide on how to talk to a romantic partner about debt. The guide must be a communication toolkit. It should include detailed sections on: 1. How to prepare for the conversation. 2. Scripts for initiating the conversation in a calm, non-accusatory way. 3. A guide to creating a 'team' mindset against the debt, rather than against each other. 4. A framework for creating a shared budget and debt payoff plan together. Please include a disclaimer about considering financial counseling for complex situations.