<prompt> Human: My husband is 59 and I am 37. He wants to retire at 62 and I dont think our spending habits will allow this. We are having the talk this weekend. Please help me explain this to him without it becoming a him vs. me thing.Our Income-CurrentH: 1395 bi-weekly salary after deductionsW: 725-850 bi-weekly hourly after deductionsOur Debt and BillsMortgage-950month 98,689 remaining at 4New Used Car-230month 11500 roughly at 3.85CC1-150month 4115 at 21.24CC2-125month 3630 at 11.75CC3-25month 2308 at 0.000 furnitureLoan-110month at 8.99Student Loan-51month 810 at 6.8Medical W-675 paying 200 month roughlyWaterSewer-billed quarterly-180 I budget and pay 60month to avoid having a surprise. Cell Phones 3-65monthInternet-65NetflixHulu-20Car Insurance 3 vehicles-135Gym-44Gas-75Groceries-400Dining Out-350-500If my husband takes his Social Security at 62, he will get 1430month. If he waits until full retirement age at 66 and 4 months it will be 1990month, and 2626 at age 70. We have 2 cars paid off and the new used one. 3 because one is his 2006 Mustang that he cant drive in bad weather so we needed another FWD when my old 2000 Hyundai died in December. The other car is a super low mileage 2001 Saturn. 3 phones on our cell phone plan because we still carry his son and we are going to keep it that way because it is super cheap. Other things to consider: He had a stroke a few years ago, a serious one. Days in the ICU, weeks in rehab, months in outpatient rehab. He has recovered almost completely but I think that is spurring some of his live for today mindset. Also, we have our first grand-baby on the way his son, no kids for us. He is an avid golfer and golfs weekly with his group and then often another solo round by himself during the appropriate weather times. He is also a gamer-PS4 and XBOX. I am a bit of a clotheshorse and an avid reader. We have 2 cats and 2 dogs and the appropriate vet bills responsible pet owners have. He does not pay any of the bills, he probably wouldnt even know where to start, and he likes it that way. I dont mind doing it and even enjoy budgeting but have trouble telling him no when I should, hence the credit card debt. I dont think he even realizes how much debt we have or how easy it would be to erase it if we would just. stop. buying. stuff.Any feedback is welcome, thanks for helping me out!Edit: He currently has 40k in a 401k. He had a pension but it imploded about 15 years ago. He was only making 2-3 contributions until about 6 years ago. It was all housed in a stable fund so he literally made nothing on it, it was equivalent to a savings account. I diversified him after we got married in 2011. Second Edit: Here is the budget I have set up to get us out of CC debt by the end of the year. Assistant: From your description, I actually thought he was 22, not 62. Time for him to take some responsibility for his life:- Sell the third car- Stop eating out- Pay off those CCs asap- If his son can afford to have a kid, he can afford to pay his own cell phone- Get him to read a books about personal finance- I personally wouldnt even consider retiring until the mortgage was completely paid off, but your income is nowhere near high enough to make a dent in the next few years. Have you considered moving into a cheaper house?- Hes probably too old, but you need to get a better paying job. Your lifestyle does not reflect your income.- If he genuinely cannot see that he cant afford to retire in 3 years after going through the numbers with him, then this becomes a relationship issue. I would run a mile. Human: If his son can afford to have a kid, he can afford to pay his own cell phoneOr at least pay 13 of the cell phone bill or whatever his fair share is. No reason to create 2 bills that are higher independently when you can have 1 smaller bill, but the son pays his own way.Assistant: Yep, same difference.Also - 1300 for Christmas? Thats a big chunk of your income especially as you dont have kids. I would cut a 0 off that. After all, its the thought that counts, not the value of the gift. Human: I budgeted a huge splurge for Christmas for the new grandbaby. Normally everyone gets books that I win online yes, really.  <response>: The first step to making progress is being honest with people. Youve done a great job opening up on Reddit but its a different matter entirely being straight up with people IRL. 300 should be more than enough to spend on your income, even with a grandbaby on the way. 