That your living expenses are in a situation where you need a contribution from your wife is concerning, because it relies on an unreliable person. I learned even by my teens to not rely on my BPD mother for anything. There are emotional aspects to money. One is power and control.
That you need her money for your combined life style puts you in a precarious situation. It may seem ludicrous to suggest that you make changes to live on your income alone-but it's a way of maintaining control of your own money and future and this makes a difference. Changes like this can not be done quickly. Start with what you can do. The obvious one is the fancy dinners out. It's not sensible to do that when in debt.
I could in fact 'get by' without her income if I cut out a couple of other non essentials but I just couldn't afford her car payment or any of her expenses. I could in theory pay all the bills but would then have very very little to put away for savings or paying down additional debt. The only other option would be seriously looking at moving. But wife wouldn't agree to this and since we're both on the mortgage and note, it's probably a step I would have to take after divorcing. I mean if it got to the point where she pulled back on even the small contributions she's making now, that's what would happen.
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What do you want for your daughter? Out of all of you, she is your least concern and that's good for her, but emotionally she still needs to know you care about her, even if she doesn't need your money. It also appears she has a moral core and won't let her elderly parents or brother lack basic needs but she also may have her own family to care for too. You've mentioned your concern for your son, but what about your daughter? While it's important to plan for your son's needs - it's also important to plan for yours (and your wife's should you stay together).
I definitely want better for my daughter. I don't want her to have my traits or my wifes! We have a good open relationship and my encouragement has gotten her into therapy for the trauma she's lived through. My hope and prayer is her getting this therapy early on will help her deal in ways I never did until now in my late 40s... She's shared with me some of what she talks about with her therapist and they're talking about boundaries. My daughter also opened to me that based on what my she shared with the therapist, her therapist told her she suspects her mom may have something called borderline personality disorder. I've never shared that name/term with my daughter but makes sense that her therapist honed in on that after just a few sessions... makes me feel encouraged that they're on a good track.
Also - I am absolutely trying to be a better role model. Through discussion and modeling show her (at least moving forward) that setting healthy boundaries are necessary and okay and if mom reacts poorly then that doesn't change the need for boundaries, it's not our job to fix her or do what she wants to appease her. My daughter is one of my key motivations for doing things differently and better.
I think it also helps to have a third person to point to as the decision maker with your finances. Rather than say "no more fancy dinners" it's "financial advise is to stop the dinners". It takes down the emotional aspect of the money decisions.
Yeah I did try that and we saw a financial counselor a few years back. But the result was the same sort of dysregulation that occurred during every couples therapist session. So I'm not inclined to go back to a financial advisor unless she gets individual therapy. At a bare minimum I wouldn't go back to a financial counselor without full transparency of her finances so we can review spending patterns and bring everything to the table. But again - her shame/abandonment/other BPD traits won't allow her to take feedback so no real point unless she gets help IMO.
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