Quote From: britzaI got married when I was just barely 18. It's been 13 years and I'm just not happy at all. I've felt this way for a couple years. I just blamed it on depression from turning 30, but it has not gotten any better. I do have 2 wonderful kids that I would not trade for anything in the world, but my life is not how I thought it would be growing up. We live paycheck to paycheck and I just found out that my husband is not depositing all his check like he tells me he does. He is keeping out $100 every two weeks and I have no idea what he is doing with it. He doesn't know that I know this and I don't know what to say to him.
If I were to leave him it would devastate the kids and I would rather live in misery then see them live that way.
I actually changed my mind about marrying him a couple of days before we married, but he took me on a guilt trip and I did it anyway, which I now resent him for. We ran off to get married so it wasn't like we had a big wedding planned that we would have had to call off.
Any advice?
My first suggestion is a physical that should include a depression screening. Answer every question honestly, do not try to "handle" this alone. I cannot tell you how many people write these boards only after discovering that undiagnosed depression or other problem has ruined their life. Don't be one of them. Counseling may be required as well. 
 
My mother always said "Marry in haste, repent at leisure". I suspect hubby DID lay on the guilt. HE loves you so, and no one else has ever really loved him. And he has never had a chance in life until he met you. My H actually gave me an ultimatum that if I did not marry him by the end of the year he woud join the Peace Corps (sorry, it was the 70's) and I fell for that one. Would like to turn that clock back and do it different. He might have liked the Peace Corps. lol But like you I was young and thought it proved how much he loved me. It doesn't, only proves how manipulative he was and how gullible I was. 
 
Life seldom turns out to be what we thought it would when we were 18. You are entitled to a full partner in marriage which includes financial issues. And you will not always be happy. Where did we get this idea? Sometimes you will be happy, sometimes sad, sometimes angry, but hopefully peaceful most of the time. 
 
One member suggested that he is doing something productive for the family with the missing money. If that be true I bet he would want the credit that goes along with it. I CAN tell you that was not true in my case. My H began withdrawing money each time he made a retail purchase (store, drugstore, etc). Not a large amount at any one time AND he continue to take his usual weekly ATM withdrawal. He did not use this cash for gas, groceries or eating out-always used the debit card here. And he packs his lunch most workdays.  
 
Then I began to notice hours he was taking for sick leave/vacation when I thought he went to work that day (up to 40 hours per month). Though he worked 4/10s and I worked 5/8s I always left home first and got home last so I did not know. As I am sure you can tell, he got busted in an online affair that opened my eyes to multiple other affairs over the 30 years of marriage. Not to say your hubby is cheating. It could be alcohol, drugs, gambling or he just likes to flash cash and pay the bills at lunch. You can figure out the details.  
 
To me $200 a month that I cannot tell you where it is going is a LOT of money. At my house that amounts to a couple of mortgage payments each year. And the real problem is NOT the amount of money. It is the lying, change of habit and willingness for his family to be deprived that are RED FLAGS. 
 
I answered many of my own questions by beginning to use Quicken. Do you balance the checkbook? Quicken makes it easy. It revealed my financial hemmorage of cash was because my hubby was taking $100 in cash compared to my $10. Maybe you need Quicken at your house. And begin paying attention to his pay stubs. Will need ALL of them for Quicken. And check location on ATM receipts. Maybe you need to go back to the first of the year. Hint, hint. Great for tax time. 
 
Until you KNOW what to say, say nothing. Premature announcement will drive him underground. My mother remained married for 40 years though my father was an alcoholic who never loved her. As her health failed he was abusive and neglectful. You do not want to sign up for this kind of misery. 
 
Kids are resilient, but divorce is a nasty business. Do not jump from the frying pan into the fire.  
 
Get the physical. Talk to legal advice. nolo.com and findlaw.com will help some. Divorce/ custody  
laws vary according to state. 
 
Do you have your own bank accounts and a credit card in your name? Do that. Tell hubby you need your own credit history. 
 
Need job training? Contact your local community college. They are great. 
 
In other words, have a plan and make divorce the last option. Good luck.