I think you need to leave him. He lies to you constantly about something really, really consequential—-money and debt! Like it’s one thing to be shitty with money or have a lot of debt and another to be with someone as long as he has and keep lying. Why do you stay with someone who lies to you? Because it’s a shameful topic, money? So he gets a pass? He’s still buying useless crap that’s probably expensive- a watch, who NEEDS a watch? It’s putting him AND your life with him in further debt. He’s got a spending problem. It’s not going away.
If you don’t have trust, what do you have?