Five years can buy a lot of leeway, but your spouse should be be able to articulate why this happened in the first place. Why were they racking up debt on trivial stuff (per your other comment)? Why did they conceal it?
If I had to guess, there's some weird stuff going on in their head that brought them to this point, and they should probably consider doing some therapy to resolve the underlying issue. That would definitely help with rebuilding trust as well
Yeah, I'm not advocating for you to dump them or anything. I'd suggest that maybe they should not have a credit card as well. Remove the temptation to spend money they don't have
Five years can buy a lot of leeway, but your spouse should be be able to articulate why this happened in the first place. Why were they racking up debt on trivial stuff (per your other comment)? Why did they conceal it?
If I had to guess, there's some weird stuff going on in their head that brought them to this point, and they should probably consider doing some therapy to resolve the underlying issue. That would definitely help with rebuilding trust as well
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Yeah, I'm not advocating for you to dump them or anything. I'd suggest that maybe they should not have a credit card as well. Remove the temptation to spend money they don't have
maybe some sort of debit card that doesn't allow overdrafts
Good, I'd urge you to pursue that.