Vickie, you did the right thing. I get you and understand your situation. Unfortunately the only person who get girls time is Lynn and on the boat she was feeling like the third wheel and no one felt that for her as they all carried on.
I think that those ladies are jealous of you. Your independance speaks for itself and you do not have to get your husbands permission or him telling you what you can and can't do, you have a partner ship not them. Gretchen just has a need and if it works for her great.
Financial difficulties are common these days with the economy and it is clear that the only person who is really not feeling it is you. They are the jelous ones not you but please stop making comment that you work as you say it way too much, they know and respect you for that already without you saying it. It is like putting salt on the wounds for them and it takes something away from you and makes them the victims as though they are being picked on for their choice if it is every their choice.
Last but not least the snoring was just wrong its a joke with you and Don and they thought it was rhude and it was. You could have gone to the bathroom. But what you say to their faces they do it behind your back. Two wrongs don't make a right, they are no better.
All the best to you and you are the only one I would say that to, the rest need to get it and grow a back bone.
Much Regards Debra from Canada