My wife and I tend to fight about money at times. As we get closer hitting our 4% number I get very frustrated at the idea of spending more money. We have plenty of money by far, but the problem is that I look at our annual spending and stache and see that we're close to 25x spending. So the idea of increasing spending makes me question things my wife spends money on.
I don't really question things that we spend on together, but anything that is just for her gets on my nerves and leads to a fight. I don't like being like this. It just happens.
We're both still working too. I just don't like work so it feels like anything that will increase that timeline to FIRE drives me crazy for some reason.
OK, so I will pass along the thoughts that helped me when I was massively frustrated with how much DH frittered away on stupid things: who died and made you God? Why is your version of "what we should spend money on" the only/right/best version, and hers is wrong/inferior/stupid? What gives you the right to decide how another grown-ass, competent, employed adult gets to spend her money?
(And yeah, I do actually talk to myself like that. Sometimes I have to be super-blunt with myself before I figure it out.)
People spend money on things because Reasons. What are hers? Your Reason is freedom -- you want to be done with the job, and so your priority spending your money on investments that enable you to buy freedom from working for a living. But that's not everyone's priority. Why does she spend money on those things? What is the feeling that gives her?
I will give you an example: my DH routinely goes out to lunch with friends from work -- and he really, really enjoys picking up the tab. When we were first married, that drove me absolutely batshit crazy; I brown-bagged every day and ate at my desk, so I resented him frittering away the money I was saving and then some. When I talked to him about it, I found out two things. (1) He needs a mental break from work during the day. Going out to lunch, talking with friends, etc. gave him that break. I was focused on jamming through all my work so I could get home sooner, so eating at my desk worked for me. But he's not me. (2) Being able to treat his friends made him feel like a success -- it was a conscious reminder to himself about how far he had come. Now, I'm not a guy, and I've never had the big-dick argument over who picks up the check, but I have seen it enough to understand that it's a Thing. And clearly it was an important Thing to him. So I let it go. I still don't "get" it, even after 25+ years. But I don't have to get it -- I know it matters to him, and that's good enough for me.
A relationship is successful if it meets the needs of
both parties. If you are unhappy with your job, that should be unacceptable to your wife, and she should be willing to discuss ideas to get you to a happier place. And if she needs to spend money to meet some sort of need, you need to be willing to discuss ways that she can meet that need that may be easier on the budget -- or if you've already agreed on a budget and she's living within it, then you need to realize that you're being unreasonable and find ways to let it go. (BTW, separate "fun money" every month can be very, very effective here -- it reminded me that I had no right to get annoyed with DH over how he spent it, because it was 100% his.)
Those underlying needs are
always valid, even though the ways we meet them are sometimes less than optimal. Excess spending is the symptom, not the cause. But if you get mad at the spending, she will absolutely hear it as criticizing that underlying need. If you want to work through these sorts of disagreements successfully, you have to start by understading what her "why" is, and then treating that "why" as totally legitimate and necessary for her happiness. She needs to know that her priorities matter to you, and vice-versa. Once you guys have that level of trust in each other, then you can better negotiate ways to meet those needs that don't involve either excess spending or excess miserliness.