I am finding a lot of contradictions here

[WCW]

There are so many things to do first that it is overwhelming in the beginning.

I was so late at the start of this, nearly paralyzed. I finally did individualize credit cards, but somehow I missed one. H found it, he says when he was exiting an account online it popped up with an offer for money and he took it, not realizing my name was on the account. I am still paying monthly, along with many other things.

Protect your finances, and try to protect your heart too.