Status Unkown

[jon2911]

It's only reality time if you don't bail her out too much. The stuff that was already on your to-do list, fine. But the car insurance for her new car??? I'm thinking you may need to let reality bite her in the a$$ a little. She wanted her freedom, don't make her feel dependent on you.

Well, it's a joint policy for my truck (which I barely drive) and her car. Realistically, 70% of the bill is hers, but I was splitting it 50-50 to be nice. I could get my own policy, but that's another of the "de-coupling" things I'm trying to avoid. My perspective might've just changed though.

W called me last night with a MAJOR bomb. She overdrew a credit card and didn't realize it, so the monthly payments she made didn't cover it. Friday she got a collections letter, and it will take $8,000 to get it back in good standing.

What the hell is going on? She's the most responsible person I know, way more than me. A little background here. W's family is extremely rich. I brought student loans and credit card debt into the marriage, she brought none. In fact, she owns part of a natural gas well and gets several thousand in royalties every month. A lot of that went to paying for my school. And we ran up the credit cards as well. I had no clue that our insurance wouldn't pay any of her medical bills. Bottom line, I screwed up our finances.

Now I've got a much better job with better benefits, and they're still not paying for any. It's been around $10,000 already this year, reimbursement? $0. So, that's on my to-do list for today.

W had perfect credit and no debt when we got married, so she blames me for all of this. And to a large extent, she's right. But she's also a spoiled brat who never learned to pay a credit card every month. And that's not my fault.

The other back-story is that W's parents are divorced, and her mom is dead, so she has a HUGE inheritance coming from her grandparents in the next 5 years or so. Somewhere in the millions. Plus, she owns part of her stepdad's business, which did over a million in sales last year.

So, big picture she's fine. She's a millionare, just doesn't have access to any of it quite yet. This is the main reason I made so many poor financial decisions during our M. I thought this would be a temporary health problem, and even if we racked up some bills getting it solved, her inheritance would take care of it.

She's getting a healthy dose of reality for the first time in her life, and I need to let her go through it. Another side note is that the gas well is drying up. How much further down is rock bottom for my W? As hopeless as I feel right now, I'm glad that she feels she can share this stuff with me.