That's what I meant, put it to paper and pencil and calmly show him what you all have to work with. Then be quiet. Like Betsey said, let him own it.
I still think it would be a very good idea to stash some money on the side. It doesn't have to be alot, but there isn't anything wrong with an emergency fund.
When you can't make a decision because you are torn between your heart and your head, listen to the half with the brain.
