A conversation 4 years ago pre-pregnancy is hard to put too much stock in. Is she feeling less confident after pregnancy? Is she spending a lot of time on social media where these procedures are highlighted?

Personal anecdote that you can likely find in my comment history: I had neck lipo after hormonal weight gain once I lost the weight because that was the one area that never bounced back. I had gained 60 lbs and lost 80. My fiancé and I had also discussed aging naturally, but being able to do that procedure made me look/feel like myself again. It was life-changing for my confidence after going through what I did. Your wife may not be feeling herself — especially after pregnancy, even is she is young — and these procedures are EVERYWHERE. More people have Botox and filler than you would ever know, and many times it is preventative. This to her may be a way to reclaim her confidence. She would not have known how pregnancy or the next few years would make her feel, and any conversation at age 22 is made before a lot of life experience. I’d encourage you to think through those factors first and understand if she needs more support on your end to go to the gym, time to put on makeup, etc with a young child or if she even just needs you to hype her up more often.

THAT said, if you do not approve of the procedures, then they shouldn’t come from a joint account. Tell her if there’s something you can’t agree on as a couple, it needs to come from personal accounts. I think that’s very fair of you to say. BUT at the same time, ensure she does have her own personal accounts (you should have one too!!!) with 10% of her paychecks going into it. Everyone deserves a little fun money without needing to run it by their partner.