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[quote=Anonymous][quote=Anonymous]Husband is an alcoholic. He has cirrhosis, chronic pancreatitis, PVT, and hepatic encephalopathy. He’s in the hospital. Again. This happens every few months and it’s just a matter of time.

We are currently separated bc the chaos of living under the same roof as him was unbearable.

I’ve done everything in my power to hold the household and the kids together. 3 kids under age 10. At first I was hopeful he’d get better but recovery never sticks. He doesn’t want to stop drinking.

He’s an impulsive spender. Never plans. Never communicates. Loves to put things on credit cards. He switched jobs recently and his group life insurance policy sucks. The payout is less than one year of his salary. So it’s essentially non-existant. We have no savings. No college funds for kids. We have $600k equity in the house. $350k retirement funds. Pulled a credit report on my husband and between house, cars, and consumer credit cards, he owes $915k. ($750k is the house. $40k cars. $70k HELOC. The rest is consumer CC debt.) Every single debt is in his name.

I’m horrified by the debt. I begrudgingly signed off on the heloc. Then the cars were purchased without my approval. I had no idea he had so much credit card debt… but he had to hide how much he was drinking and never makes more than minimum payments..

So now that I know he’s dying and I know we’re screwed financially, what on earth can I do? I plan to return to work in the fall (teacher) but that won’t get us very far.

[/quote]

Are you living in the house or is he? How much is the other party paying in rent?

Can he be discharged to rehab? Have you had conversations with his doctors? Does he have short term disability through work?

I would not be so sure he is actively dying, alcoholics can linger. You need a financial plan if he lives and one if he does not. You need to speak to a lawyer.

How many teaching jobs have you applied for? Is your license current?

Al Anon for you, find an online meeting this weekend. You need to get very informed and practical with lawyer and financial planner and strategize around the emotional stuff with the free Al Anon folks.

Something is up with you, too, that you have such young kids, and so many, with someone in such bad shape. And that you quit your job, trapping yourself. You really have to get it together, OP. I'm guessing your family of origin involved alcoholism too? Do you have any extended family nearby to help? [/quote]

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