What happens if you get sick, can't work? What happens if you lose your job? What happens if she loses her job or gets sick? Would she expect to keep living like she is?In my heart, I still believe she is a good preson and will stick by me in these situations. You say you have a lot of money saved up now? Why do you have ANY debt??? Are you making a killing on your money compared with the interest you pay on your debt?We have this debt because it was incurred by outspending our regular annual salaries. I was able to finance it all at 0% or close to it, so I thought that we should repay it from our regular cashflow. My view is that once I put away savings, I really don't want to touch them. Obviously, the debt could be repaid by liquidating the savings, but I would feel a real sense of failure in this case.A second reason why we continue to carry debt is that it imposes a ral discipline on our spending habits. I would hate to fall back into the reckless spending habits that caused us to tkae on the debt in the first place and this is a way to change my behavior. Sometimes I need to learn the hard way.There is something more behind her NEED for this amount of "spending" money per month. It's a psychological issue. I agree that there is a psychological / control issue here and that it needs to be sorted out. She is deeply resentful of her historic role in the family and I think that is causing some of this.
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