 Wow. You're coming home with a new baby, and this is a financial asset that will help you all live the life you want to live. I'd stay in that lane. To where they are painted in a corner that anything you say... You want to put up with this crap, and you want to just write checks just to not have to deal with it. That's fine, but it's not good for her. She's going to continue to do this crap the rest of her life.