I love my husband dearly, but his finances are starting to drive me up the wall especially as things have been getting tighter with rising costs.

We have a joint credit card for shared expenses like groceries, gas and eating out. We have separate bank accounts for everything else, and have a budget of $600/mo each for our own discretionary spending. I feel like that's quite a bit, but he's consistently using our joint card for personal purchases (about $200 – $400 every month). Mostly for weed, cigars and alcohol.

I feel like I'm already subsidizing his expenses because our car usage is 80% his trips and eating out is often just for him as well. He hasn't saved anything for retirement, and has $1,000 of debt that he hasn't made a dent in for over 6 months because he doesn't have enough to pay it down. I could pay it off for him, but just feel like I'd be enabling his terrible spending habits.