and in case you were wondering, the answer is you don't have to validate that argument, it's silly, just ask her what she did to help with the situation and then take the discussion from there. If she starts an argument just tell her, I'm not here to argue with you, I asked you a question, if you can't answer it, then don't think I'm going to sit here and listen to you blame me for our financial situation, you're an adult just like me, you could have helped with this just as much as i did but as it stands you're just complaining and that won't help so this discussion is over until you're ready to talk like an adult.