Very sorry that you find yourself needing to be here, but I hope you will find it useful. Weekends can be a bit quiet so I wanted to respond quickly so you know you are heard, although I’m sure others will post soon.
You are very early on in this process, so I imagine you are feeling pretty overwhelmed. Sorry. It’s important though to recognise that bc few of us do our best quality thinking in these circumstances. Which is normal, but also can create its’ own problems.
My first instincts on reading your post are twofold…
I think you need some legal advice pronto bc of the financial and business circumstances. You don’t have to act on it but getting more information can help you understand your risks, constraints and obligations as you weigh your options.
And I think you are trying to control things you cannot control, some of which are not your responsibility tbh. Again, that’s a pretty normal trauma response for some, but it can also distract us from dealing with things as they are as opposed to how we want them to be. And that rarely turns out well for we LBS, particularly when it comes to big important stuff like finances, joint assets and debts.
Why do I say that?
Bc you list a long set of examples of your wife lying, monstering, saying one thing and then doing another, drinking to the point of needing hospitalisation and spending money like it grows on trees. While feeling entitled to contact you about all those little life problems.
What on earth makes you think that someone behaving that way is able or willing to make - and stick to - the kind of adult agreements you are thinking of talking to her about? Or budgets or receipts or indeed being a reliable business partner?
I don’t know what the best solution is but I’d bet my cat’s tail that any solution that depends on her doing what she says or behaving like a responsible adult is pretty high risk for you. Hence, my suggestion to get legal advice pronto.
The heart of my advice is that you stop thinking about protecting OUR money/business and start thinking about protecting YOUR money/business.
And that probably means catching your breath and thinking less about what you want to say to her and more about what you can and will do to protect yourself as much as you can. Bc in the spirit of watching the feet not the mouth, your wife does not currently care about these things in the way you do and does not care what you want or need. Well, not more than the effort it takes to send a meme
Sorry.
And on your #2 question which you say is a priority?
Sounds like it’s a ‘priority’ bc your wife wants something….and in true MLC textbook fashion, wants what she wants and wants it now…..and I’d humbly suggest that this is a good opportunity for you to start the process of retraining your brain away from that.
Slow your own roll.
It’s ok to say not now, not convenient, need to think about that, give me a list and I’ll look at it. Or just plain No. You do not need to defend, justify or explain your No’s as much as you think you do, and tbh your wife doesn’t care - she just wants what she wants without uncomfortable consequences, right? Not your job to punish her, but not your job to tidy her mess of predictable consequences either.
If that is difficult for you, you might want to muse on why that is.
But we do get how hard it is to change one’s lens to adapt to the situation whilst also finding it surreal and incomprehensible.
My best advice is to go slow, say less and try to focus on accepting the current reality of the observable facts you can see. And to try to take good care of yourself bc this stuff can take a hammer to your physical wellbeing and sanity.
And just to clarify….
You mentioned a daughter? Step daughter? How is she doing? And how much/little does your mother know about what is going on as she provided the loan? Do you have friends or family you can call on for support right now, practically or emotionally? Or an IC to give you a safe place to think out loud while you navigate this incredibly difficult time?
You said your wife is 44? And you? And that you married each other twice? Did you split up in between, or was it some kind of vow renewal.. or have I misunderstood? Not sure if you are male or female but I think you said AP is a she? Doesn’t matter to us, and indeed there are other same sex marriages/partners who post here, but it helps us to give more useful thoughts if we understand some of the details.
So, if you only take one message from my post it would be to accept that your wife has thrown a hand grenade into your/her life and that you need legal advice to help you work out how to protect yourself and your business from her actions bc you can no longer trust her to do so. Oh, and that there are good people here who have walked in your shoes, and survived to be around to provide you with some support.