@pr0cessa If he will not add you to the bank account, you need to have a couple hundred bucks of cash on hand for emergencies AND a credit card that he pays off in full each month for expenses, groceries, gas etc.
@halo235689 I too have a ymca membership. And I get both kids ready in the morning. After dropping the kindergartner off at school I drive over to the y and get in a quick workout and my 3 year old gets to socialize. Win. Win.