I am not sure what your relationship with your husband is like. With mine, I would tell him ahead of time. Explain his spending was out of control, the debt was too large, and you have discussed with him many times. Tell him plainly that the money you make supports you both and your sons, and because he moves money without your permission, you are INVESTIGATING the possibility of taking his name off of the account. No threatening. No arguing. Simply explain the problems, that you have discussed it with him and because he will not listen to you, you have to take action to protect you, your sons, AND him.