Hi Susie and welcome. I sympathise with you. It must have been a shock to see that your OH (other half) has been keeping this from you. There is only one way that I can see will work and that is to be completely honest. I would tell him exactly how you found out. You know your husband, approach it when you think he will be most receptive and say that you understand how much money matters to you both. Then work out the finances together. It may be that he has it all under control and you can be cool about it. If he continues to be secretive it may be that he feels swamped and wants to keep it from you. I am sure once the initial step is taken he will be relieved to share the burden. I wonder what others might say.