we have got a long time to save my husband he's the real he's the real disciplinarian when it comes to that money usually
Since he is not frugal, my husband spends money on frivolous things. 
mnli hypothesis: Since he is not frugal, my husband spends money on frivolous things.  premise: we have got a long time to save my husband he's the real he's the real disciplinarian when it comes to that money usually