I totally agree with Onyx. You need a complete financial health check really, not just for you but for you and your dh. And it's also right that there is no point hiding money and being sneaky about it. Managing your own super is also a great way to ensure your financial freedom in your older days. The book I'm reading also talks about all of that. Some time ago I also set up a self managed super fund and even doing that has given me some power back. Sure it wont help me right now but it will in the future.