who are the females he's talking too on the phone? Are they good ole friends? Co-workers?

Sounds like you don't trust him to be faithfull.

1. Who are the females. Yes - fine, don't fret, no probs. UNLESS you have really good reason to think they are OTHER WOMEN. And I very much doubt he'd be speaking to them on the phone.

2. Is he going on his own. Savings should be for both of you. If both of you are gong, then this is very positive. Something may happen - you both may get bored, stressed out, fed up with being in a rut....a few short breaks make romance a possibility. Go for it.

1. depends on the woman and if it is threatening to our relationship, how he talks to her and how affectionate he is with her on the phone....

2. depends on the trip. if it really is for him to just regroup than maybe yes...sometimes we need to get refreshed so that our love tank gets filled back up. sometimes it's worth the sacrifice if it will end up enriching your lives.

The friends are people he has met after we got married. They are not co-workers. Since he does not really tell me who they are. I assume they are people that he meets online mostly. I am trying to see if it is all about me not trusting him. I'm open to being wrong :). The trip is only for him alone. I'm going through the same stress but I'm not going anywhere. The savings is technically mine but I feel it is "ours" because we are married. So, I don't talk with him saying I'm not touching my savings,its a "us" and "ours" thing. He is not working right now, and that is one of the reasons our financial situation is not "stable. Let me know your thoughts.

When he talks with the females he goes outside, in his car, walking around outside, to the workout room. He sends texts back and forth while we are together and says it is his guy friend but I saw the text and it was not from his guy friend. So, he does not talk to any of his female "friends" in front of me.

yeah if he wont talk to them in front of you.. thats a red flag hunny!!!

My X did that crap to me when he was talking to a certain female that for years was the torn in our rose garden.. But, didnt find out until after the fact that it was her he was talking too. I always thought the crap she said to me was made up..

I don't believe he has any business talking to "other" women on line or on the phone. And the fact that he won't talk in frount of you;I'm sure there's more going on than you think. And I would be willing to bet that his "trip" is to get away with one of them.
One way to find out what he is doing and who he is talking to on line is to get net detective.

Cannot talk to these woman around you. Definate red flag and something is going on that shouldn't be. Hence no get away trip to relieve stress. The doctor cannot make a house call.

Lets all be blunt for the womans sake okay....The dirt bag is CHEATING on you!!!

You better save all your money for when he leaves you...if you aren't smart enough to leave him first! I hope you are!
Tell him if he wants to go on a trip to get away from all the stress....get a JOB and use his own damn money!!!
He's going to go and meet that chic..if not a few chics.
Please kick him to the curb...he's making a fool out of you!!
Hugs, Brenda

Sweetie, every reason you just read is more then enough reason to do the right thing about what your husband is doing to YOU!!
PRS

talking to othe women, and won' let you hear the conversations... bad. wants to go on a vacation with money that YOU saved, WITHOUT YOU. Very bad.
IF he was talking to these women whether you were around or not(to where it is not a factor), then no worries.
Now, for the vacation, by himself when you 2 are married, and talking to other women only when you can't hear...
He is lying to you. He is going to go on vacation to meet with another woman.

No man goes away on their own to de-stress, men tend to de-stress with other males and a few pints of beer.

I have a feeling this man of yours is meeting one of the women he chats/texts to.

While snooping isn't good, I think you need to do some to find out more.

It depends who hes talking to and wether or not he had a sexual relationship with that person

If you don't even know who the women are, he shouldn't be talking to them.

The out of town trip is probably a bad idea too, since there seems to be a trust issue.

If he had to lie to talk to these women, cheating may not be far even if he hasn't started right now.
And to take the trip ALONE to de-stress... meaning he's a better liar than you imagined. If he is sincere about fixing the problem; first he wouldn't lie about new woman friends, instead he would concentrate on getting a job rather than indulging on himself, and finally the most important of all, he should talk to you and share his problems rather than run away to lick his wounds. What can he solve by going away? Using your savings on top of that?
You need to have a real talk with him. Don't start by accusing. Tell him calmly you knew he was talking to women, whom he told you were guy friends. No victim or blame game here. Just set boundary for him -- who he can or cannot talk to. Talk about the important stuff - see if you can help him organize himself to get a job. This is MORE important than de-stressing and digging into your little savings. Focus on what will work for your relationship and the future.