Yay, hooray for USAA! I love that ATM withdrawals never cost me anything.
My husband and I have an understanding about our jobs and the finances: he makes the money, and I spend it.

I am in charge of paying all the bills, going grocery shopping, etc. Since I am the one constantly in the know about our finances, then the hubby defers to me on all spending. We're lucky that we don't have to worry about debits or withdrawals, because he never asks about daily expenses (like lunch or gasoline), but for major purchases, we always talk about it. The only problem is that I can usually say no to things (either purchases at his request or my own), and he can't. If I see something I like, he usually gets it for me. So, I am what you would call spoiled. I'm trying to get him to stop that, since what I really want is my lakefront property in SC right now, and I'd like to be able to get it in December when we come home for leave.