I don't want to argue with your assessment - 20 years is a long time to be a SAHM. Kudos to you, btw! But have you ever considered getting into a home based business of some sort? It might not make you a millionairess (although I actually know people who have done it!), but it would give you some money of your own. And it will definitely tell him you're moving on and up! Just a thought.
undefeated 24 H 24 S's 4, 2, 1 M 5 yrs
"Most of the important things in the world have been accomplished by people who have kept on trying when there seemed to be no hope at all." ~Dale Carnegie