How about facing her with reality. "Hey W, I know that you want to go somewhere and do something else, but right here we have a house and kids and a mortgage, a car payment,taxes, and bills. We both signed for all of it. So you are just as responsible for it as I am. Let's buckle down and do the hard work necessary to get out of this hole we are in. This is what I am doing. What are you going to do?"
