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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I just don’t understand why you work. If that income is making a big difference, I’d rather find a better budget. Does he not let you access his income? Is the 10k your personal spending money?[/quote]

Op here. So after taxes and insurance retirement match, his income becomes 3900 twice a month. We spend about 3500 on mortgage, hoa. He says $2000 for food and household items. $800 for mutual funds, and he's paying extra on the mortgage, $1100 to pay off the house faster. I told him I needed to spend money to get a haircut ond not have him asking me about my purchases. It takes the joy out of spending when he's constantly asking why I bought something. He said he could budget $200 for me a month if I wanted to quit my job, and it could go to my checking, so he's not keeping tabs on how it's spent. Whenever I spend money on things, I always feel guilty, even if it's groceries. I feel like he doesn't understand what something costs and wants me to preform magic and somehow have a lot of food, nothing for the kids but not spend the appropriate amount. [/quote]

HELLO. this isn’t a tax problem. This is a controlling, abusive husband problem.

An adult who is in an equal partnership with another adult doesn’t generously offer them $200 a month to spend. You’re not a child with an allowance. He is making all the decisions, including paying off the mortgage faster and putting money into mutual funds. Meanwhile, you don’t have money for a haircut.

You are not in a healthy marriage.

https://www.verywellmind.com/financial-abuse-4155224

[/quote]

I don't know. They need a budget. With all of those numbers, there isn't much left over. [/quote]

They don't seem to have the income or savings right now to be paying extra on the mortgage. That is foolish. Most people do that after they have a solid savings cushion and plenty for normal every day living, like haircuts. If you don't HAVE extra, there is no goood reason to pay extra. Especially if you have a low interest rate (which we don't know in this case).[/quote]

They have lots of money they can cash in from mutual funds. That's savings. What most people do is irrelevant. People have different priorities. Paying interest is stupid. [/quote]

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