My hubby is wonderful but has no ambition

What should I do about this mismatched relationship? I am 35 and have been married for two years but I think we are totally different and may not go far in this marriage. My husband and I have different perspectives on everything starting with money. He is 44, he takes a holiday abroad every year and puts most of his money in expensive gadgets but does not have even one plot on this earth. He has absolutely no ambition to develop himself and he focuses mostly on using all his money on entertainment. He is already deep in debt having borrowed money to buy an expensive car. I feel this is the wrong way to live. I had hopes and dreams such as owning a house at 33, investing in long-term businesses such as a school and the stock exchange but now this marriage has already eaten into my savings as I paid off one of his loans to avoid auction. We don't have children yet but also I feel this is definitely not the way I wanted to live. What can I do about this relationship?
{Wambui}