If you have mortgage for a house (or should I say building?) with 13 rooms, then I guess +$100K is not that much...But it sounds like your husband has his own company then he can expense a lot of cost towards to his company. Also with a wife that has no income, he doesn't have to pay that much tax. So it could be that your husband is just a cheap guy. You know, a lot of rich people are cheap and this is part of the reason that they are rich.