<prompt> Human: I feel stressed...My gf has made some really bad decisions financially and it is crippling her. I am on the other frugal and want to retire by 30 and semi retire now! Im tired of working but i cant because of her.I know she is stressed because of the hole she has dug but Im left with a lot of her bills.Starters she took a car loan out a few years ago. Its only worth 9k the last I looked, her loan remaining is 18k. If it was me Id sell it but we dont live together and she would be without a car.Its a suzuki swift 2011. we are from aus.Assistant: While it may have been a bad decision to get it in the first place, trading a usable means of transportation for -9000 isnt really helpful. Human: The problem I have is Im paying for it, her phone bill also and anything else that comes up. She isnt working, blew he knee out. Ive tried to make the right decisions for over 10 years and she gets to blow her money on whatever she wants? gtfo. Just this weekend she was like, lets go out to a cafe and have lunch, I told her we have bought food a few times the last few days, you are broke remember? Weve had talks, at what stage does it sink in...  <response>: The solution is to stop paying for it. She doesnt believe you when you talk because you keep paying her bills. 