SJS:
I don’t understand why you think that learning Torah is a luxury anymore than any other mitzvah.
Why don’t I support Kollelim? Because there are Jewish children who are starving. There are sick people who need medical care. The guy sitting and learning in Lakewood? A nice luxury, but not a necessity
and therein lies the crux of our disagreement. We are taught that limud haTorah has the ability to keep people healthy, keep people fed etc. All the brachos come from limud haTorah. When your husband sits and learns he isn’t just giving you a zchus, he is helping prevent a Jew in Australia from getting needing medical attention.