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“Dear Steve,

Engaged to a 37 year-old woman with no savings, no retirement, 30K/yr job and +100K in debt. 65% of debt is student loans, remainder is credit cards. Her minimum payments take up most of paycheck. Plus, she wants to go back to school and take out more loans to do it.

I have $3500 in debt and a mortgage.

What kind of risk am I opening myself up to with marriage? Am I legally liable for her debts? Could the credit cards come after me? What can I do to keep her isolated from me financially?

Jake”