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Some pretty serious concerns. Sounds like the crux of the situation is that he might not be motivated to pay off his high-interest debt, and in fact might end up increasing it. This is a serious sitution. I'm not qualified to be a financial counselor by any means, so take my advice for what its worth. If the two of you don't agree on how money will be spent real soon, it will likely end up driving a wedge between you. You both need to agree how often and how much you will spend on expensive items. If he won't agree to limit his spending, you're in big trouble. If you can reason with him and prevail upon him to spend wisely and NOT increase his CC debt, then by all means, it makes sense for you both to combine efforts and pay off the high interest debt first. Sounds like with your combined incomes you could potentially pay it off pretty quick. But only with cooperation. If it ends up being YOU paying off his ever-increasing debt, then i have no idea what you'd need to do. He should love you enough to respect your opinion on the matter and agree to work with you.

My wife had almost no debt before we married. I had a small amount of credit card debt and a relatively small school loan (around 10K). THEN we went on a honeymoon we couldn't afford and bumped the CC debt up a large amount and THEN we bought me a "new" car ('99 Altima to replace an '88 Chevy Nova that was about to die). And we haven't been exactly frugal in the past few months.

But we're improving and i know we'll slowly but surely work out of it. The key is that we are in full agreement and are doing it together.

Best wishes
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