Yesterday I had the day scheduled off so I could have time with my son and daughter before school started tomorrow. Instead I had to spend the entire day doing damage control for my lazy step-son who failed his summer English course and now has decided to change majors
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*hugs*
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You can't take him any more, fair enough. Do you love her?
(P.S. I believe in separate bank accounts even when marriages go well. We have a Yours, a Mine, and an Ours. The latter is used for joint bills and we both chip in proportionate to our earnings. What I do with the rest of my money once the bills are paid is up to me.)
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Given that however, her son is an adult (from what I recall from a former post) and should take responsibility for his own finances. Your wife is an enabler which is not doing her son any good in the long run, i.e. he won't learn to take responsibility if she's not allowing him to learn the consequences of his actions or inactions. It is a parents job to produce independent adults and son won't be as long as he's still receiving cash flow through the umbilicus.
If you still love your wife (and I'm thinking you do, it's just become difficult due to her enabling of her son), try family counseling as Casey suggested. If they won't go with you, go alone, it'll still help.
Hang in there, JD, we're pulling for you. :-)
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