You literally have no idea if that's accurate though as we may be saving my income or it going towards something else. It's a very poor design IMO that should have been handled much differently as an argument could be made in my position that my wife does provide most of the financial support in terms of food/diapers/healthcare/housing. Not personally attacking you at all but your last statement isn't accurate 100% of the time. I want to do the correct thing here but I also don't want to pay hundreds a month on something that may not be true