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The husband is the leader and the wife submits to his leadership. But his leadership should be geared to what is best for the wife and children. The husband should submit to his wife's needs. But that's not an excuse for her to be lazy and not take care of the home, which is where the wife should be if it is at all possible financially. When the husband is leading properly it is easy for the wife to submit, and if he is submitting to her needs she's more willing to follow his leadership.