... except I won't "let" him, even though he's willing to go into $100k debt for anything I want!

Yes folks, that is the arguement. I am ashamed I haven't already separated accounts because DH is obsessed with this sports car and watching numerous YouTube vids about it. It starts at like $55k and DH wants to trade in our almost paid off vehicle and finance the rest. Because, "we can afford it" BUT, if I want to separate accounts, then he CAN'T afford it.