Pretending something is okay if it’s not is useless. You employ certain tactics because you know yourself. The point is that you can control your own outcomes. Why not have outcomes that you find favorable?
After your child has cleared the toddler stage and demonstrates an ability to reason, your parenting must evolve. Incrementally, your main task is no longer to keep them safe, but to support their decision making to manage and determine their own risk and safety.
Saving money is an example of a partial truth. It is wise to manage your responsibilities and to plan for scenarios. But, money is more than cushion and emergency duct tape to plug holes in your boat. Money can support investment in a new boat, one with no holes....
Finally! Speak the male language. What you need to tell him in order to get exactly what you need.