It’s been hot in Oklahoma again this summer. Since this is only our second year here and most of our plants aren’t cactus, I’ve been talking to the mower man about an irrigation system. Turns out he’s also an electrician. Turns out he also has a friend who installs sprinklers. The man contains multitudes.

Before leaving for Europe, he gave me a ballpark quote. The allpark numbers pushing $5,000, maybe more.

I told him, “I think my wife will let me have this one.”

She did not let me have this one.

She’d go for something around half his estimate, and I already know that number is the conservative one. So the sprinkler system joined the long list of projects that have quietly died in our house. I get it. I own it.

Here’s why I own it so completely: a few years ago, I carved off a little chunk of our retirement money and handed it to algo trading bots and crypto. My financial advisor told me not to. I did it anyway. That decision gave Judy a veto power that isn’t close to 50-50. It’s more like 60-40, and some days I think she’s being generous with the 40.

I recently sat down with my advisor to close out the company I’d run for twenty years, the one that funded my brief career as a degenerate gambler with better vocabulary. I apologized for not listening to him. He was kind about it, which somehow made it worse. He’s clearly seen clients make mistakes that make mine look like a rounding error. Small comfort, but I’ll take it.

So now, when Judy wants a pedicure or a hot tub or literally anything, I zip it. I’ve earned exactly zero opinions on discretionary spending for the foreseeable future.

The strange part is how well this has worked out for me.

I’ve always been a guy who likes to get his way. Guilt turns out to be a remarkably effective muzzle. I can’t fully bury that part of my personality, but knowing I torched a chunk of our savings on bots that promised passive income and delivered passive regret keeps me in check more than any argument ever could.

Judy has a chip she could play anytime she wants. One mention of the crypto years and I’d fold like a lawn chair. She’s never played it. Not once. She’ll give me a look sometimes, the kind that says she knows exactly what she could say, and then she just doesn’t say it.

That’s either extraordinary restraint or a very patient long game. I haven’t ruled out either.

I only let myself get clipped in one category, though: money. Everywhere else, I’m still fully operational. And even the money-clipping is mostly self-imposed, which I realize makes me sound like a man bragging about his own house arrest.

In overpriced Iceland, while I was doing math in my head over every hot dog, Judy said, “I don’t want to think about the money. I want to enjoy our vacation.”

I have never once had that thought naturally. I have to be talked into it, every time, like it’s a foreign language.

Her attitude about money has genuinely made our marriage better, especially given that she married a guy who projects financial competence while quietly having handed his savings to a chatbot with delusions of Wall Street. Not every marriage survives getting frisked by a promise of “regular ongoing income” that turns out to mean regular ongoing losses. To be fair to the bots, they never actually promised me anything. That was the marketing department’s job, and they did it well.

The one thing keeping me from full self-pity is that my company did make real money, and I did put a good chunk of it away. So it’s not like both hands were empty. One hand made it, the other hand threw it into a wood chipper. Not the trade I was hoping for, but it beats “I lost it all,” which is the version of this story I could’ve been telling you.

I can’t undo the bad calls. I can keep telling anyone who’ll listen that “get rich quick” is a genre of fiction, not a strategy. There might be legitimate investment opportunities out there that won’t put a dent in your marriage. I’m sure there are. I just haven’t found many worth chasing once the number gets into six digits, and I’ve stopped assuming my judgment is sharper than everyone else’s.

Turns out the actual smart move was never picking the right algorithm. It was marrying someone who didn’t need one.