What I challenge is that she should be all all surprised by the outcome of her decisions.

Of course I can empathize with her situation. but I know she has to see her own way out of this.

I have faced grave diversity in my lifetime that would make her problems seem like a stroll around Disneyland. Although I have no desire to share my drama. I will divulge that it involved a drunken driver and subsequent car accident. I can assure you this...I dealt with my own ****, and became stronger and more confident for it.

Perhaps this has contributed to my tough love attitude.

We all have choices in life and must live by them. it is inevitable that **** is going to happen. It's our choice how we are going to deal with it.

There is an abundance of free information and literature available on money management.

I wish her the best.

I''m now convinced you are a descent person with a big heart, and that your intentions are good.