You are doing it for YOUR SAKE. Your W has said she doesn't want it and would prefer financial stability along with a responsible financial PARTNER. Your children will benefit more from growing up with parents who live well within their means. College savings accounts are always useful. And, given you have passes to Disney, I can assure you your children are not deprived.
You are doing it because it makes YOU feel good, even at the cost of burying your head in the sand about the fiscal soundness of your choices. You don't LIKE experiencing the feeling you get when you realize you don't have unlimited funds. You want to feel like the big man. Eh hem. Grow up and be a great financial P in this M. It is MUCH more attractive than a big surprise that is ill-afforded.
Mama, ditto, pretty much. Burying your head in the sand and ignoring H's insane spending is not going to get you anywhere. You need to work together in a responsible financial partnership. Certainly, H should have some funds to spend without you questioning where every dime goes. If he wants to squander it on lottery tickets or iTunes, so be it. You should also have some free spending money. But, it sounds like the two of you need to develop a budget, get your free spending money each week, and use the rest on necessities, getting out of debt, and savings. PLEASE quit avoiding this, it isn't doing anyone any good. And, you had better address one source of your resentment directly -- the money he spent on OW -- rather than continue to let it pollute you financial lives.
