so my husband believes there's a tree in our back yard that grows money and he can spend, spend, spend!!! he's been laid off for 2 years (which is a whole other issue in itself) and i'm currently in a job transition as well, so money is VERY tight. when he was working i was able to "control" his spending habits by having him give me 'x' amount every month to cover our expenses and whatever he had left was his to do what he wanted with, no questions asked. that worked PERFECTLY. now that he's not working, getting him to give me a portion of his unemployment to help pay bills is like asking him to cut off his right arm and he continues to spend on the most trivial things. it's seriously affecting our marriage to the point that i've considered a seperation, which is NOT what i want. i love him and am committed to our vows, but i don't know what to do. his motto is, "it'll all work itself out". we have nothing in savings, nothing for retirement and i'm constantly stressing over the bills. marriage counsling isn't an option because we don't have any insurance right now and i can't afford a counsler without it...and he probably wouldn't go anyway. HELP! i need some unbiased advise!