She will come home, or I'll find it in my own mind

[Not Much Left]

Is she just completely irresponsible? My W seems to spend more too in this sitch. Fortunately for me, we have enough to cover. BUt if things were strapped, I would just say, I need to talk to you about this. Again, calmly. Why does it need to go to a D/Bankruptcy discussion. Leave that for later. It can always go there. Logic should actually win here. It is not just her money. You point out she can do what she wants, that's BS when you are not D'd and it comes to money. It is mutual respect for your futures and your boys'.