Thanks for all your replies.
Yes, we definitely aren't on the same page. I've never wanted a joint bank account, (which I think is what some were suggesting) because his account pays all the bills, and I would be leary of spending too much myself, unknowingly and leaving us short for those, although that would probably be unlikely. I'm pretty sure if I asked him, he'd say he has the money under control, and I definitely don't have a head for money, if he tried explaining all the ins and outs, my brain would freeze up. I don't think that there's a problem with things like his pension, he definitely won't be on just the state pension, and hopefully the mortgage will be paid off by then (we have an endowment mortgage and a repayment mortgage, people in UK will know what those mean, I don't know if you have the same in the US. The repayment one was to make up the estimated shortfall of the endowment one).
I guess what I'm more asking about is the difference in our ways of thinking, that I can see that if he didn't spend so much on not only his hobbies which everybody needs, including me, but on whims and crap that just clutters up the house, we could have the little holidays that my sister has. And he doesn't seem to see how much the value of the house, when we eventually sell it, is adversely affected by the state that it's in. I need to think how to, subtly, educate him in the ways of the Mustachian, as I have learned, most certainly, that he does NOT like to be 'told' how to do Anything. He needs to think that he has thought of it for himself.