No. of Recommendations: 7
But not everyone has the financial means to keep a $100 cushion that never gets spent.

Translation: Not everyone has the discipline to let $100 sit unspent in an account.

While it is possible that not everyone has the means, the fact that you had money to transfer to your wife shows that you, as a family, *do* have the financial means to leave a cushion that never gets spent.

I can relate to trying to manage household finances rationally when the other spouse lacks the discipline or desire to leave a cushion. It's very frustrating, and was a factor contributing to my 2004 divorce. It wasn't a decisive factor, but it was in the mix.

Perhaps the solution you have found is the best you can do for your situation. But that doesn't change the fact that you need this solution because *someone* in your household has a habit of skating closer to the edge than is advisable or necessary given your total household financial resources. That's a much tougher financial issue to manage than mere lack of money.

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