No need to discuss this one.
The problem, in my case, is that ML came on slowly.
When you see it coming, duck!
Not sure I can separate the 2.
<< I didn't vote, because I have blocked the OP so I can't see the poll message.
<< It is like
>>>>> As an outside observer, I would theorize that your wife would have "spent and borrowed" because she was just as wired to do that (for whatever reason) as she was to become LL after marriage. <<<<<
I can see why you might think this, but it does not fit the facts.
She ran the family finances from 1992 to 1997.