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In order for this to work she needs to tell you and show you proof of her credit card debt and all expenses and other debts...she could consolidate into one payment a month or multiple payments depending on what she owes. Discuss payment plans and savings plans. She sounds like a mess. With your help and guidance she could be on the right track and you both can be happy in your relationship but she needs to be honest.

I would post this on r/personalfinance, they are very good at helping people approach these types of issues.

In my opinion, you've got three major things going against this:

• you are building a house, and uprooting that process will be a massive loss to you, right?
• your girlfriend is awful with money and become a much closer observer of that is only going to increase your frustrations
• she is not going to change just because you live with her, she has to want to change her habits, and if she just isn't interested in that, this may be a nonstarter

Thank you. She claims that she was exposed to gambling because she use to work in a casino, and alot of her friends use to play for fun. And it had never been a problem because she has been single for a long time and her income was always high.

She has only stopped using the pokies for 4 months. But realises she has lost enough money to buy 2 houses in the last 20 years. She wants to stop and is reluctant to buy any extra properties because she doesn't want to take on any more debt. Her parents are reliant on her income as their retirement. (She sends money home every month)

But I don't know if it's enough time for her to show she has truly kicked the habit. I am also worried I will never meet my financial goals if I am with her. Her income is more than enough to pay off her mortgage and build wealth, but she doesn't want to.

Mortgages aren't something you necessarily need to pay off, especially if they are low-interest. It makes much more sense to invest in retirement and otherwise. But if she isn't doing that, that could be a problem.

Why is she so reluctant to pay off her credit card debt?