<prompt> Human: So I have been with my partner for 3 years now and we live together renting. We also purchased a used car together and are paying that of regularly. My SO had always done the bill payments and book keeping not that I dont know how, just how it worked out. About two years ago SO went on a stress leave from work and managed to rack up 13K in CC debt totally unbeknownst to me. I happened to log in to check some reward point stuff on the card and was baffled, needless to say. Now this card is in her name, Im authorized on it but it does not affect my credit so it is HER debt and she admits fully to that. We had a bit of an argument, she was obviously very upset and embarrassed but I made it clear that we needed to do something to actually fix the problem and not just ignore it. She agreed to getting a consolidation loan and we will use the CC I have but never really use with a low limit for day-to-day. All good, happy to be making progress.Now where Im struggling is that the consolidation is happening and its getting paid down but spending habits havent really changed. She still wants new stuff that she doesnt need and gets very upset when I suggest that Maybe its something we dont need or Dont you already have 4 jackets?. My priority is getting out of debt. I understand spending for things you actually need and some flexibility for fun but those nice to have things are a privilege that you lost when you racked up that much debt IMO. This is now causing a lot stress and distance between us and Im questioning whether I canwant to build a life long-term with her.Am I crazy? Am I not? I guess Im just looking for insight and opinions. Thanks in advance!  <response>: Youre not crazy shes totally irresponsible. 