<prompt> Human: In an effort to curb some bad spending habits, my husband has cut up all his credit and debit cards and says he will no longer carry money in any form. He says if he needs to buy something, I will need to be with him. If he thinks he will need money for something, he will ask me in advance for cash. My initial instinct is that this is a terrible idea but Im not sure why. I snuck a 20 bill behind his ID for emergencies. His work provides food and drink, so hes not going to starve. If he has car trouble he still has his Uber account set up on his phone. I drive his car often enough that I can fill up his tank when it gets low.Im wondering your thoughts, rpersonalfinance. Is this a valid strategy to curb spending or is he insane?EDIT: Thanks for your thoughts and responses. I agree with those who said this is a fair short-term strategy but I was pretty taken aback that he cut up his cards rather than, say, put them in a sealed envelope until he felt like he could use them responsibly. I also agree that I dont want to be the gatekeeper to his spending, although it does make make me feel slightly better that I dont have to worry about excessive spending anymore.Ive gotten a couple questions about what triggered this and what he was spending the money on. This is probably relevant and should have included it in the original post, but it seemed like more of a rrelationships issue. Some of the spending was just random crap that he doesnt need like a 300 pair of slacks we dont typically spend that much on clothing. However, I found out recently that my husband has been hiding some destructive behavior from me. I knew he was spending money poorly but I didnt realize how excessive it was until I started looking closely at the credit card statements. In the first 3 months of the year he spent 1500 at bars on credit cards and took out 2200 in cash. The cash was mostly spent on alcohol, drugs, and strippers bachelor party. NOTE: I dont feel the drugalcohol is an addiction, it was more of an issue of socializing and getting it out of his system before the baby arrives. The spending and behavior is troubling enough on his own but now Im about to go on maternity leave and were going to lose 13 of our income for a while. At this point were working through our issues marriage counseling and he is trying to earn my trust back. So part of his reasoning for this stunt is so I dont have to worry about this particular issue anymore. In my opinion, thats not really trust. I need to be able to not worry about what hes spending money on when he does have the option of spending it. But maybe its OK for now while we try to get back on our feet.  <response>: I think its a bad idea purely because hes putting the burden of responsibility on you and not on himself. 