What I am not sure about is this: One of her major complaints was that I did not support her business. (Disregarding the fact that we spent $5k of our savings and I spent a lot of weekend hours on setting the place up, and I loaned her $ to start an inventory). But the reason she's hitting the bottom financially is because her business is costing her money every month, always has been, right from the start a year ago. She was doing ok when we were sharing bills, but now that she lives on her own, she's just not keeping up with her bills. Collectors are calling the house. I am debating whether I should tell her to keep the little bit of money she is supposed to put in the joint account after returning the credit card to help with some of her bills for her business. Would that be so bad? If she does not have to put anything in the joint acct and has no way of overspending on the credit card, then I won't have to get stressed out about it. It basically means that if she still runs out of money, I have NOTHING to do with it, as I am actually helping her pay some of her bills.