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Along with this, it appears to me (and I could be as wrong about it as I was about the size of the allowance :) ), that you are the one controlling where all the other money gets spent. While I completely agree with wanting a safety factor, if your DW doesn't buy into it that's something you both need to look at. And if she's not interested in vacations (as you've said), then the fact that she gets to go along doesn't really mean much if you get to choose that the money is spent there and she doesn't (I understand that you've cut back on vacations now but the idea still applies). Best is to look at it all together and decide what's important and where you'll let the other person's preferences "win".

I think that if I really controlled where the money went then I would not be trying to find a compromise solution where both of us feel ok about it.
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