She can be proud. I worry that may keep her from asking for help again.
You're trying to force it. She doesn't want you to fix her. If she did she would ask. If she's like my W then she would rather not have your help because she'll feel like she "owes" you something. She doesn't love you right now, she probably doesn't even like you. Think about someone you really don't like and ask yourself how hard it would be to have that person offer you financial help, and how much harder than that it would be to accept it. You'd probably hate yourself. That's where she is right now. Welcome to WASland.
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She seems to want something from me in her texts (acceptance? forgiveness? cooperation? I don't know.)
Mind-reading. And mind-reading from texts is highly inaccurate.
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and there is much I want to say to her, but I will not have the conversation by text. For pete's sake, we're middle-aged and married, not teenagers too immature to talk about a relationship in person.
Don't forget your DB'ing and Sandi's rules. As a WAS she is MUCH closer to a rebellious teen than she is to a mature adult that wants to carry on deep conversations about your M. You're trying to apply logic and reason to a person that is in great turmoil and even a little bit crazy.