Does he just dream of getting a sports car in the future?
Or is there a fair chance he will come home with a car and a loan one day?
My husband is the first type. He would like a sports car, but that isn't practical right now when we are raising kids. He knows that, he is aware of our financial status and household priorities. There is no harm in seeing a cool car and having a drool over hypothetical scenarios.
If your husband is like mine, don't let it bother you. Having a dream for the future is a good thing. Share it with him by talking about the road trips you will take together when the children are grown.
My stepfather was the second type. He knew there were bills to pay but didn't care. He wanted what he wanted. Mom used a joint savings account mom to put aside property tax money. He drained it to use as a downpayment on a boat. A lein was put on the house because the tax bill couldn't be paid on time.
When mom opened a new account in her name only, he ranted and raved about how she doesn't trust him and that isn't how marriage works. That was the only time she did something to stand up for herself. It wasn't the first or last time he put them into financial peril. Bankruptcy was filed at least once during their marriage. She never was emotionally strong enough to leave him. Long story short; she is now alone, disabled, and broke with no chance to recover financially.
If your husband is like my stepfather, you need to start making plans now to financially protect yourself and your assets, whether or not you stay married. You need to have money of your own that is untouchable, and the emotional fortitude to stand your ground for your own protection.