Im my case, my W hasn't hit bottom yet, but I see her fast on her way financially. In terms of values, she always values financial security and having some money in the bank. She about to not have either.

Personally I think it has to do with Loss and Admitting (only to thenselves) I don't think my wife will ever admit to me that she has made a mistake. However, I see a third factor. I think the factor that is pulling them away has to be gone. For many people here it is the OP. In my case it is a bad friend who is pulling my W away.

M35 W37
S9 D6
M12 yrs Know 15 yrs
Bomb 1/28/07
My Sitch
Failure is the opportunity to start again more intelligently - Henry Ford