text: I'm a big believer in having seperate savings and checking accounts in addition to a joint account.  I've been married for 21 years and most of our fights were about money.  We found very quickly that the best thing to do was put money for household expenses in a joint account, have individual accounts for expenses incurred on our own, and we would put some money in a joint savings account and some in a individual savings.  It sounds like we have a lot of money, we don't.  We learned to budget very carefully, use credit cards sparingly, and to remember that if one of us spent too much money, the pay-off came out of money that was our own and not to depend on each other to bail each other out.  We haven't had a money fight in a long time.  It sounds like your husband is on a power trip and you are there to serve him.  If you work, you have the absolute right to have your own accounts and to have your own money without having to demean yourself by asking to have money THAT YOU EARNED.  If his expenses are incurred by him, for him and had nothing to do with you, your family or your home, they are his and his alone.  Good luck, you are in a tough spot.