So, precisely how badly do you want that Hassy? If your family can't 'truly afford' the expenditure then do you want it so much that you're willing to cause your family hardships? Are you willing to possibly damage your relationship with your wife, perhaps forever? It's not a difficult question but the answer can be a bit of a struggle for many of us because we're 'polluting the primary issues' with secondary and tertiary thoughts. Forget those other 'ideals' and think... "Can my family (not me) afford to spend that money right now"? Boil it down to that one and only absolutely valid question and answer it yourself. Then talk about it with your wife if you truly believe it's a good time to spend the cash.