<prompt> Human: Shes a full time student with a part time job.The problem is, when she gets a credit card, she cant keep within a budget, just like her mom, who is nearing retirement and has no savings. Then when she started managing her own bank account from her part time income, she incurred a late fee after coming up with excuses for not accounting for money being withheld. She realizes her problem and she suggested getting x dollars per month in cash, divide that up by day and limit herself to that daily budget via the daily cash in pocket. Fortunately I pay the cc balances every month between the two of us, but starting next year Im cranking down all the spending in order to increase savings, so she needs to play ball. Anything else that would help her out? She even suggested giving me her income. I dont think she has ever had any good role models when it comes to finances, so I am giving her a chance. I am rather militaristic when it comes to managing finances and I dont want to give ultimatums, I want to give her a chance before I go that route. I will never let someone get in the way of my retirement savings, and the thought of someone doing so angers me to no end, but I want to balance that with giving her tipstricks so she has tools to be better.  <response>: just like her mom, who is nearing retirement and has no savingsPeoples attitude towards money is something thats knocked into them by their families from a very young age. Unless she really wants to change, shes going to end up like her mom, in all probability. You need to think about whether you want to get involved in an adult relationship with someone who is going to always be broke and who will derail all of your attempts at achieving financial stability. She even suggested giving me her incomeIf you do this and enforce discipline, youre her father, not partner. Shell resent her and youll hate her. Do not have kids, get married, or intertwine your finances with her till this is resolved. I think youre too close right now with shared credit cards. 