<prompt> Human: So my significant other who is almost 29 is currently looking at getting a new truck which Im totally against. We sat down and spoke about it last night and he called the dealership this morning to say the deal is off the table because he needs to focus on paying off his credit card debt. Currently he owes 12,000 on his credit card, and about 8,000 on his line of credit. They came back and said they would pay off his credit card obviously not pay it off because its lumped in your weekly payments and loop it in with the truck cost at 0 financing for both the credit card debt and the truck. He will still be owing 8000 on his line of credit. His WEEKLY payments would be approximately 175 for the truck, Im assuming for 8 years. He still is owing just under 30,000 on his current 2014 jeep wrangler and will be trading that in with the deal as well. He thinks he should get around 34,000 for the trade in value. We just bought a house in 2016 and we are both on that mortgage and we owe approximately 164,000 on it. Monthly payments are around 820 for the mortgage which we are splitting 5050. He only brings in 460 a week and I cant seem to get it through his head he cant afford this. I end up paying for mostly all utilities except 60 light bill, and 30 water bill, groceries and any extra repairs around the house. I dont own a car since I cant afford it with all of the extras I have to pay for around the house. Since he doesnt make enough to actually buy this truck himself he needs a co-signer and I just cant bring myself to do this because I just think its a horrible idea. We arent married yet so my rule was always to not sign anything until my last name is changed. He wants a solid reason why I wont do this and because this is a stupid idea isnt a good one. Can anyone give me solid reasons as to why this is such a horrible idea. My head is spinning right now and Im so angry upset that I cant think straight. Assistant: You dont have a personal finance problem, you have a relationship problem. Refuse to cosign. Tell him to pound sand if he throws a tantrum. If he breaks up with you unlikely, mooches usually wont thank him for doing you a favor and find someone whos not a man-child.Human: Thank you, I needed to hear this. Hes been waiting pretty much for the last 3 years to get hired on with our city as a firefighter starting out around 60,000. Hes working a shitty 15hr job right now and I always said to myself things were going to change when he got a good job. At this point I dont even think we will ever get engaged because hes got 0 savings for a ring. Im just so done with his debt and this really made me mad that he would even think to ask me about doing this. Assistant: Its totally understandable that you thought things would get better ifwhen he got a better job. But the thing to remember is that his low income and his poor financial decision-making are actually two completely separate issues. And its unlikely that he would have started making better choices had he suddenly been flush with cash. In fact, theres a good chance it would have gotten worse.Just thought youd like to consider this if you started having second thoughts.Human: We dont have a joint bank account but I do have access to his online banking and I log in every week and pay his jeep payment, our mortgage and his one house bill. Doesnt leave much or sometimes anything after getting gas or a coffee. You do bring up a good point but Im under the assumption if he was to get a better job Id just leave him with a few dollars a week and use the extra to pay off his debt. Maybe Ive got my head in the clouds?  <response>: Its possible; I dont know this guy. But ask yourself: based on what you know about hime, if he did manage to clear his debt, would he stay on the straight-and-narrow afterwards? Or would he just buy a bunch more toys he doesnt need and dig himself into a hole all over again?Again, all I know about him is what youve written, but based on that I would lean towards Outcome B. 