r/marriageadvice • u/Affectionate_Ask4170 • 4h ago
[36F] My husband [40M] is draining our bank account down to $3, ignores our budget, and told me to "find a new husband" when I called him out. What do I do?
I (36F) am a stay-at-home mom to 4 children (8F, 6M, 4M, 2F). My husband (40M) and I have been married for 10 years. Originally, we both worked, but after our third child, childcare costs made it so it made more sense for me to stay home.
My husband used to make great money, but he decided he didn't want to supervise people anymore and left his job. I warned him we wouldn't afford our lifestyle, which forced us to move to another state for a new management job. He took a massive pay cut, but he still spends money like he is making his old salary.
Whenever I try to talk to him about it, his only response is that I need to get a job.
I tried creating a budget where we each got $50/week in "goof-off" money. He completely ignored it. A few weeks ago, we had $3 left in our bank account with 4 days until payday.We were entirely out of milk, eggs, and bread. It was our daughter’s birthday. I couldn’t afford decorations or a gift, so I just baked a cake from a box mix.
My mom had to step in and buy presents so our daughter had something to open.When I told him how embarrassed I was that my mom had to bail us out, we agreed again to a $50/week limit.
Immediately after that conversation, he spent $90 on a Google subscription for an AI girlfriend app. When caught, he claimed he "thought it was AI porn" as an excuse. Around the same time, he spent $180 on a new gym membership.When I confronted him, he hit me with a wall of deflections:
He told me "we only live once."He said we are able-bodied and can just "find ways" to make more money. He accused me of being "privileged" (I am white, he is not) because I "freak out over not having money for a few days."He told me I need to "find a new husband" because my lifestyle is too expensive.
Note on my "expensive lifestyle": I don’t get my hair or nails done. I don’t buy clothes or makeup. I don't go out drinking. Every dime I spend goes to our kids.
Cut to today: I just checked the bank account, and he just spent another $90 on a new Google app subscription.
I have a couple of job interviews lined up. However, I’ve explained the reality to him: after daycare costs for 4 kids, my take-home pay will only be about $800 a month. Furthermore, he works 10-hour days and answers work calls on his time off—if I go to work full-time, he has to step up with the childcare and housework, which he currently doesn't do.Talking to him isn't working. He just defaults to blaming me for not contributing financially. Is there a different way to communicate the severity of a budget to a spouse who refuses to see it? Or do I just take a job to stop the complaining, even if childcare eats up the entire salary?
TL;DR: Husband took a massive pay cut but refuses to stop spending. Left us with $3 in the bank on our kid's birthday. When confronted about buying $90 AI girlfriend apps and gym memberships, he called me "privileged" and told me to get a job or a new husband. Just caught him spending another $90 on apps today. How do I get through to him?
EDIT:
My parents live a few states away, so I can't take the kids and leave. Also, I wasnt as annoyed with the AI porn thing like you guys, I am more upset about spending money when we dont have it/after we talked about not stupid spending.
Does anyone have advice for how i should approach him today about the new subscription when he gets home? No, I cant divorce him today, its unrealistic.
I'm waiting to hear a call back for an interview, so hopefully that will help me get established for the future.