Two, I agree with your doc. Your money situation is destroying all of you, you have the power to make it better yet you refuse to do it because your husband will be mad? How about you being mad that he's spending you all into depression? How about your kids being mad that their dad is so financially irresponsible that they are miserable?

You can change these things but you don't want to. I'm sorry if this sounds harsh but it is harsh. If you can't remove your husband from your existing account go to the bank and open a new account in just your name and put your money there.

Only you can change your life.