<prompt> Human: Hey friends,My wife and I have been married for 11 good years. She works part time and I provide most of the income for the house. She makes somewhere around 50k gross and I make between 200k-250k gross a year. I have about 10K in a CC balance from vacations that I planned on paying off soon. I knew that my wife had amassed some credit card debt but she only recently told me the amount, a whopping 30k. She opened a chase rewards credit card about 3-4 years ago in order to be able to take advantage of points. I told her it was a bad idea and warned her but figured how bad could it get with one card. Now she has three credit cards with between 15-18 interest at 30k total. She acquired two of these cards using my SSN the chase one I allowed and one is totally in her name.Unfortunately our finances are completely separate. Early in our marriage I realized she has a serious spending problem and I had to take steps to protect my income. We have our own checking accounts and she doesnt have access to my income. I pay all the bills except for her student loans 9k remaining and we just bought a high end new car for her, with a 300mo car payment that she was going to take on. Im pretty frustrated that she let me drop 35k in cash on a new car while she was aware of how bad her credit cards were. But I dont think it makes sense to try and reverse the deal, since the car is at 0 interest.I have around 10k in cash available right now and my bonus payout in early march that should net me somewhere around 50k. I planned on mostly investing that money and some for an emergency fund. Each month after my bills I have somewhere around 3k each month left over after bills for purely expendable income.My credit score is 750 and hers is also around 700-750. I dont want to get a divorce but just looking for ideas on the best way to pay this off. What I was thinking was something along the following lines.1. I can pay off one credit card thats 10k. We wont go on vacations this year and maybe next.2. Get a 0 balance transfer card for the remaining 20k.3. Wife starts working full time, works her ass off for 18 months to pay off the remaining 20k.4. Close the cards right away obviAnother option is home equity but that could be expensive in terms of interest. Please help!  <response>: It sounds like the best use of your money would be therapy for both of you for spending addiction. And meetings with some kind of financial counselor. Honestly, with 10k in CC debt you shouldnt have gotten the new car. I think she should return the new car or sell it, and you can take half of the sale and hopefully pay off the 10k vacation debt and she can use the other half to pay down her CCs. She should pay off the rest of the debt herself. You should also be able to openly access her credit report until you trust her again. Going forward, she should AT LEAST be putting the same percentage of her income that you do toward mutual expenses.SHE should be the one to try to get 0 interest transfer cards. If her credit isnt good enough, then you can point out to her how her behavior is putting her and your relationship in a downward spiral. I dont think you should bail her out. If she cant transfer the balances to low interest cards, then you should insist that she prioritize the cards attached to your identity and that she stop using them. 