Welcome to the Jill on Money show. It's Wednesday, August 6th, and we are here trying to help you make better financial decisions, maybe just help take the burden off of you, whatever you're going through. Just give us a holler. Go to jillonmoney.com. Click the contact us button. Write us a note. And if you'd like to join us on the air live, check the box. That's all you need to do. And then producer Mark, who is the best executive producer in the world, he'll take over from there. We'll get in touch with you. If you would like a little bit more Jill, sign up for the free weekly newsletter. Comes out every Friday. And when you do that,

it's basically a substack subscription. You'll also get my blog. I usually write once a week. So check that out

as well. You get two for one and it's both free. So it's really two for zero. Right now, let's do some

emails. It is time to get some email inbox reduction started.

Here we go.

Let's start with Jane.

I love this subject.

Husband doesn't want to spend, afraid to spend.

My husband has been retired for five years.

He has a million dollars in retirement.

I will still be working for another 12 years.

There's a nine-year age difference between the two of us. We have a 15-year-old son in high school,

and we have college funds for him already for college. Well, that's good. I have $700,000 in

retirement. I continue to save. We've got our emergency fund six to 12 months,

no debt. Everything is paid off. House car, pay off our credit card bills each month. My husband still

worries he's afraid to spend money. What can I tell him to relax and make him feel like things

are fine? And we can afford to spend money, things like a family trip and

upgrade to the house. Am I missing something? Am I being naive? He makes me feel foolish to say

we are fine. Well, I don't like that he makes you feel foolish. Jane, what I would think about

is to do this. I would look at your current spending, okay? And if you can completely cover it with your salary and you are

planning to work for another 12 years, then I think you can show him mathematically that he can

spend some of his money. And so I don't know how old everybody is, but my feeling is that this is a very

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