So she is giving you an ultimatum? It’s her way or the highway.She's never mentioned divorce, but says she doesn't want to work on the marriage because of financial and emotional abuse. The truth is, her mother destroyed her during her upbringing. I have offered several times throughout the years to split accounts and bills. I have tried many options, but it's hard when she says she's okay with the plan to budget and pay the debt off...yet she's not. She just says she wants to be financially independent and she gets from her friends influence
What will it take for her to come back home? What does financial freedom mean to her? Isn’t the obvious solution for you to separate accounts and split bills? And be accountable for any new debt. The only problem would be how you agree to pay off current debts.