"He trusted me with the finances and I made a complete mess of things to the point where I used his credit card and used all of our savings." - has it been an isolated incident or do you do such things repeatedly (using up savings without regard to the consequences)? I am asking because if it happens more than once, it might be a symptom of a disorder called "bipolar" and you need treatment rather than guilt trips. If he is a counselor, he should be familiar with bipolar symptomatology.