I'll be a third opinion on menopause and HRT. HRT forms and recommendations have changed over time. BPD mother went on HRT at menopause and due to finding risk factors with that particular type of HRT, they took her off. So I saw her both on it and off it and her BPD behaviors were there in both situations.
HRT has been revised, and newer forms that don't have the side effects from the previous forms are used. I know many women on it. It hasn't caused severe mood swings as far as I know.
What I did see with BPD mother is that her BPD behavior would vary over time. It was always there but less when there was less stress and increased with more stress- normal life stress like moving, or if she wasn't feeling well. If we think of BPD behaviors as maladaptive coping mechanisms, it would make sense there's more at times of stress and less when there isn't.
There was also the tendency to blame whatever external was going on for her behaviors. It's the hormones, it's the move, it's that someone upset her. This is projection and also feeling in victim perspective, and avoiding the shame of accountability and blame.
If she was coping with any stressor with her BPD behaviors- hormone changes could be considered one kind of stressor, but they aren't the cause of the BPD behaviors. Or the reason for her feeling how she feels could have nothing to do with the HRT but she assumes/projects it's the reason.
My guess is that your wife will react emotionally to the discussion on finances. If you do it before she starts HRT- you will then know it isn't due to the hormones. If you do it after, you won't know for certain. However, I agree with CC43- that talking about it to her may not be as effective as taking action with your own finances.


