TS is doing what is financially responsible.

From the wife's (a housewife's) POV, maybe she think that RM100k savings is a lot, but it really isn't.

Since she can't understand TS at his level due to her lack of work experience and financial literacy, there's no point trying to talk sense into her. TS has tried and it ended up in fights and cold shoulders.

TS should just tell her that his company is not doing well, his job is not stable, and with his age, it'll be hard to get employed if he's retrenched. Hence, the priority is to save and invest more currently.

However, do give her some pocket money (say, RM200) per month for her to shop for what she likes. If she wants more, she can consider working again after the children are older, or do some gigs from home.

Lastly, I'd like to point out that housewives can be easily influenced by what they see and hear online, and that may include getting scammed easily.

So, TS, please safeguard your wealth and continue to be the responsible breadwinner and father you are.