Gwen,
My heart goes out to you because I’ve been there too. Heck, I’m there now!! Now I know why everyone was saying that marriage is “hard”. Its the closest relationship and the toughest. It can also be the most rewarding. Keep talking to your husband and forget the crappy remark about your spending money on lessons. Just keep riding!! “Life is not a dress rehearsal” – you have to enjoy it now. The bad luck you are having will eventually subside and you will have wonderful times ahead.