My Husband Lost His Job 3 Months Ago but Thinks He Can Still Spend and Buy Gifts

It looks like nothing has changed in the month since you posted the question about his contribution to a wedding based on changed circumstances. You say he has been like this all his life, so I don't know why you think he would change his stripes now. If he's in denial about the financial realities, I would think you would need to make an appointment with a financial planner or a marriage counselor, or both. Nothing is going to change unless you completely alter and upset the nature of the conversation and stop doing what you and he have done for all these years. It sounds like professional intervention is your only hope. Since this is YOUR financial stability and future at risk as well as his, please take some decisive action even if you have to go by yourself. If you have access to and control of some money and assets, I suggest you move them to an account or safety deposit box that he does not have access to. You really should squirrel away a safety net until you can get him to see someone professional.

I second the appointment with the marriage counselor AND financial adviser.

But I also think it is time for YOU to take control of YOUR life.

Do you having a paying job? If not get one and tell him it is for savings only. I would put it into a savings account with my name only until he is more financially responsible. It would be for the both of you, but in your name only.
Otherwise I would start socking money away for retirement privately from him.

I don't know if this is true, but from your posts it sounds like you have very little power in your marriage, and your husband lives in denial.

Time to stand up for yourself.

Please see a counselor with or without him.

What exactly do you want from us? This is just like your other "question" where I couldn't quite figure out what you want from us. We have no idea how much your husband has saved, how much he brought into your marriage, how much you brought in, how long you have been married. All we really know is you want his money for yourself.

So what is your question?

23 years you have been married and you refer to your children as his daughter??!! You raised them! You must be the definition of the evil step mom that you could spend that much time with children and never bond with them. Shame on you.

Do you have a budget set up? If not, why not?

You and your husband really have an odd set up. You're struggling with his unemployment and he's not.

Is he looking for a job? Is there any income coming in the door? How can he spend money that isn't there? At some point, those credit card bills will be due. How is he going to pay them?

Sit down and ask him these questions. Sounds like he needs a wake up call.

You need a budget.
Figure out how much you'll need for necessary things - rent/mortgage, taxes, bills (heating/water/etc), groceries, car maintenance, gas, insurance (car/home/medical).
Do you have appliances/cars that are old and can expect to be failing soon (water heater, heat pump, fridge, washer/dryer, etc) that will need to be replaced?
ALL these things need to be addressed and put aside for.
After that's done - then see if there's any small amount left for eating out and gifts.