Then the real trouble starts when I give him my opinion, because he is way off base and I can see the end result already
I know you were looking out for your family's best interest, but you can't predict the future. Even if its plain as the nose on you face you still don't know what the out come is going to be. You and I are too much alike. Your H and my W may be the same. Just b/c something is obvious to you, doesn't mean your H can see it. More problems happen when you give him advice. He probably digs his heels in on his ideas and yours don't aren't considered anymore. I know this is hard, but you can't change him. You can only change yourself.
I get the idea that talking about the buisness would benefit you more than him. I suggest you try to talk about baseball or something. If he has any hobbies that's usually a safe bet.
Quote:
I would say what were you thinking why would you do something like that.
This statement alone would hurt anyone. You don't kick a man who's down. That's what this comment sounds like to me.