They key point was commitment to financial disclosure (no secrets), risky choices are agreed on as a couple (large expenditures and visits to membes of opposite sex), etc... There was a lot to draw on I was shocked
he never hid anything from me. i did the filing at home so i had access to all of the credit card bills, statements, etc.
the one thing i didn't have access to was his investment account. and his father did. this is where his father gambled away a lot of his money. when h viewed his account, that's when i saw the losses.
his father felt guilty once for losing his son's money. took money out of his own account and put it in my h's account to try and earn that money back. that money was lost on a bad stock tip too. his father has the nuts to ask his son to pay for the interest on the money that was taken from his father's account. <does that make sense?>
his parents would often float him large sums of money when he needed it. he would pay them back but there are debts that he owes them that are 15 yrs old and not a penny was ever paid back.
we talked about my h's immaturity and this was another example of his immaturity. he didn't know the definition of financial independence.