Husband: Honey, we need to talk. After the home repairs, the travelling, the broken lawnmower, and the car repairs from this summer; we are now $5000 in debt.
Wife: You are one of the most responsible, intelligent, capable men I know. I have every confidence that you will find a way to pay it back. (big smile and hug)
(…….and then don’t make a big deal out of cutting expenditures)
What you believe about your man is most likely to come true.