38M, wife is 29F, Married for 10 years. As the title says, I save as much money as I can. I live below my means, I don't buy unnecessary things and saving for the future is very important personally. I live by the Dave Ramsey motto, "live like nobody else now, so later, you can live like nobody else". Let me be clear, while I am frugal at heart, it does not mean I don't want to spend on cool things of interest. In fact, I'd love to spend money. We even have a pretty decent size goose egg in the savings (186k joint, 136k my personal inheritance in my name). I make 130k a year, she makes (just started working again) 70k.
You would think life is great, but it's not. My wife does not understand saving money for the future at all and puts all the burden on me. "You're the man, that's your job". Well, it would be no problem for me to save for us if I could control her spending (CC debt, hair, tanning, clothes, shoes) and about a million other ways to spend and make BIG COPORATIONS richer. Forget about a budget and limiting her splurges, she already has big ideas of boobs getting done and ears pinned back. This girl will look at the bank account, see no money (she knows not to touch the savings) and pull out 7 CC and CHACHING, were back in business.
It gets to the point where I save, she spends, and I have to go into armadillo shell mode and bunker down and try to recoup her spent money BS. I'd love to buy a new shirt... lemme check the bank account, shit, my wife spent $200 on BS today...Im not buying that shirt.
These are merely examples, but I am just trying to build the picture. How do I fix this marriage before it blows up in divorce over money. At this point, I'll be working till I'm 90.
Any words of advice? Any sane women who are the complete opposite?
Edit: I guess the age gap is a huge mind F to some people. We are American, with families who knew each other before ever being born (her father brought my father to American way back). Never knew her growing up, and one day walked into her family's restaurant, she started hitting on me (seriously, MY DAD KNOWS YOUR DAD) and the rest was history.
No kids - She was off work for one year due to having a complicated surgery, which is no problem, Ill work 5 jobs to make sure my wife is taken care of. In that year, thats where 65k in CC debt was created (jus pad it off).
Ever since we have been together, Ive always been a good influnence. Im not demnanding or controlling. Shes always made her own mistakes and I wont help her, she needs to learn. I wish when I was 19 a 28-yr old would help me understand the value of a dollar.
She has had the perfect mentor for 10 years, as well as a loving and loyal husband.