I think it's just like letting a kid do what they want with their allowance, even if you don't think it's the best idea. He's doing the work and earning the money and personally, when I have had joint accounts, I have always gotten annoyed that everything had to go to the joint account. I don't think your husband's being selfish at all -- I think it's a normal thing to do, especially if you wouldn't approve of the purchase out of joint funds. and yes, definitely do something for yourself!