That's for sure, and it must be approved by the wife. If two people get married now, your money belongs to the same property. If the husband wants to spend the money and lend it to others, he must get the consent of his wife. Unless two people divorce and share the money, it will be fine. Don't ask anyone. Since two people are not divorced, they must get the consent of their wives. In other words, you should discuss everything with your wife and should not make decisions without authorization. This is irresponsible to the family. What should I do if my wife hasn't agreed to lend the money back? Isn't that a state of family separation? Therefore, the consent of the wife must be obtained.