<prompt> Human: First of all, Im 24 and shes 34. I am in graduate school and have very limited knowledge of the implications of debt and bad credit. In a previous relationship, my ex had horrible amounts of debt and bad credit, but would go out and purchase things like a motorcycle and new tattoos with the extra money she had. Now that Im a bit older and understand the ridiculousness of those purchases, the irresponsibility of my ex has left me very fearful about having a partner with money problems, particularly because the new SO has already mentioned a motorcycle as her next big purchase, and before our discussion last night, vacation plans had already been in the works.She seemed hesitant to reveal exactly how in-debt she is last night, but did mention that she has had a car repossessed in the past, and that a lot of her debt is medical bills. She also says that she believes some of her debt has been written off because of how old it is, and that the nice used truck she purchased this summer is helping her credit. I know her name is not on the lease of her apartment, making me fearful that the reason for this is because she would be unable to pass a credit check.She makes about 40k a year. She doesnt have any bank accounts and uses something called Netspend. I am under the impression that bills,etc cause her to live on a pretty much paycheck-to-paycheck basis, though I am unsure if she is working to pay off any of her debt. Her unwillingness to have a lengthier conversation about her financial problems makes me fearful that she is attempting to simply ignore her debt until it goes away.I have good credit and no debt with the exception of student loans which she also has. I have very limited knowledge of managing financial issues and am unsure of how to advise her. Hell, I am sure she probably doesnt want advice, but if we are going to consider spending our lives together, I would like her to have her financial affairs in order. Is this reasonable of me to want? What do you guys think I should do? Are there any books I could read to get knowledge for myself and attempt to help her out? I am not really sure what to do. : Thank you in advance!  <response>: Relationships shouldnt be this much work. Youre a young guy, you dont want to start a serious relationship with someone who is going to handy cap you right off the bat. I say keep seeing her as a fling until you come across someone more responsible with similar financial values as you. 