<prompt> Human: My gf has serious personal finance problems. Even though she makes more than enough to pay her expenses and save 200month, she consistently spends her entire paycheck and sometimes overspends it. Shes open to discussion and is often willing to cutback on things we talk about e.g. dining out but then just replaces those expenses with others e.g. clothing, gifts, etc.. Ive spoken to her about starting an emergency account, and while she agrees that its a good idea she has exactly 0 set aside. In the short term, Im worried that if she loses her job Ill end up having to make a decision between breaking up with her or helping her out with her expenses. In the long term, Im worried about whether or not I can have a functional relationship with someone who is so unstable financially.Any advice welcomed. Can I help her become more financially responsible? Or should I end our relationship before my money is at risk both in the shortlong term? Thanks.  <response>: About half of people are useless when it comes to money. In an ideal world, that half would marry a person who is clever about money and let them make all the decisions. Sometimes that happens. More often, the irresponsible person drags down the responsible one. My ex kept us dead flat broke the entire six years we were married. I tried everything. Nothing worked. In the 25 years since I divorced her not over money I have never had a problem with money. The lady I am married to now is almost as careful with money as I am; sometimes I feel as if we are cheating the system by not being married to wastrels and keeping them in check, but the sex is too good to give up. 