Dear Annie: My retired husband sees no need to get a part-time job, but he wants me to pick up extra hours

Ultimately, you can't continue to be the sole provider for your household. Talk to your husband calmly and directly -- no arguments -- about the stress this has put you under.

I agree it would be smart to start putting money in a separate account. Of course, tell your husband before you do, and make sure he understands this isn't meant to punish him.

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