Couldn't agree more CLKD. OH is someone who worked hard all of his life. He likes to maintain a healthy bank balance (to the point where there's a danger, I can see, that either a care home or the tax man will get it as we have no children!) It is difficult to strike a balance between enjoying life and keeping pennies for emergencies.
He has been exceptional at earning/providing for our retirement (mind you, I've done OK in that respect too) but I reckon I'm better at getting the balance right re what to spend, on what and when..🤔