I am the first lady and my husband is the pastor of the church we attend. We have been married for 15 years. Recently, my mind pushed me to do something that I normally would not do. Because of the reckless spending habits of my husband over the years, I secretly opened a savings account in my name that he is unaware of. We still operate the joint account together, but I am scared of waking up one morning with nothing to fall back on. Is my action wise or foolish?