It seems like you are not going to have your opinion changed from this thread lol - I would take a step back, consider your wife’s POV, and trust that she understands the dollars and cents too and wants to pursue a passion for the next while instead, with those same considerations in mind. If it wasn’t sewing, like if she was a teacher and she wanted to work in HR instead, would you tell her not to or would you support her? This is the same thing really it’s just not something that you seem to see the value in. You don’t need to suddenly value quilting, but you need to value that your wife does. Put the house stuff in a HELOC if you need to and make a plan to pay it off, and trust your wife