Going up the stairs symbolizes your pursuit and efforts for something. The narrow stairs you went up show that the communication process between you and your husband is very difficult. The money in the dream is not real money, but the value of something you think. Finding a dime on the stairs means that you don't think communication with your husband is of much value (so you use a dime to measure it).
The old man wouldn't let you take the money, but you gave up. This shows that some people in reality advise you not to work hard for your husband's relationship, or you are not confident in dealing with your husband's relationship.
Husband and female colleague change clothes, which means that you think the relationship between them is too good and affects your feelings (maybe this female colleague is just a symbol of other things). Husband deliberately tortures you because the real pressure is too great, and this pressure comes from her husband.
Waiting anxiously for the password from the radio to exorcise the ghost (this ghost is the relationship between your husband and reality) symbolizes that you want something to help you get back together with your husband, and you don't know what it is (in the form of a password).
The mood in the dream is full of fear, sadness and hopelessness, which shows that your pressure is really too great in reality.
I really don't know how your husband can be such a person, haggle over every ounce, narrow-minded, regardless of his woman's feelings. Even I, a student, know that when two people are together, they should tolerate each other, think more about each other's reality, and don't cry for the woman they love.
Have the opportunity to try to make him understand this truth, but don't try to change him, try to be independent, don't rely too much, and give him some space.
Relax yourself. Don't live in the cage you drew for yourself. There is no hurdle to get through. Let go of your mind and wish you good luck.