Never understood this way of thinking. My wife buys what she wants (she is very frugal) and I buy what I want. Neither of us ask before we buy anything and our money is in a joint account. I guess many men either have a wife that is too controlling or they cannot live within their means and the wife has to make sure they can pay the mortgage. Either is a bad position to be in.

I agree with you. Nothing wrong with discussing joint finances. My point is that someone saying "my wife said no" is no excuse because they already would have known what the answer was before the question came up. Common sense should always dictate your purchases. In my opinion, if you have ANY revolving credit that does not get paid off monthly you should not buy anything you do not absolutely need.