sometimes we have to be blunt and frank, especially when it comes to financial well being!! i like the suggested approach above.
many years ago when my husband just up and decided to stop going to work (i was out of the country, he was still using) and then sat on his gorgeous rump for a few months, one day when i came home from WORK i said...so are you planning to go back to work ever? cuz i'm thinking maybe i should just quit MY job too.....THEN what do you propose we do, hmmmmmmm?
he was back to work the next week. occasionally the note stapled to the 2x4 and whacked upside their head is called for!!!