I've thought about this a bit. My wife accepts the frugal lifestyle. She's entirely ok with it. No complaints. So she just lets me handle the finances and she just asks me what card to use and how much we can spend on stuff for the month.

But as I thought deeper, I realized that my wife isn't naturally frugal. She's ok with spending less currently cos I'm always around to keep her in check. But I do think about what happens if I'm not around. I think about my mortality a lot. As in, what would happen if I were to die suddenly. Cos I like to be prepared. I would like everything to be settled well and easy when I'm gone and my loved ones would have an easier time.

So I think about what happens when I'm gone. And she gets the insurance money and my other assets. Cos

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