If it’s less than about 2 years, I think Michael suggests stopping retirement contributions. But if he contributes to retirement, that’s your gas money and bill money? You just need to make him understand how important it is to you to get out of debt and build an emergency fund – bad credit payday loans. Sadly, that’s not a financial issue, that’s a marriage issue… The face that the recent unemployment doesn’t seem to have changed his attitude is strange.