A girlfriend with a ‘heart problem’

Dear Dave,

I’m pretty responsible with finances, but my girlfriend is in a bad situation with her money and her career. She has a huge car payment and lots of credit card debt. On top of this, it takes almost 40% of what she brings home each month just to pay rent, and she quit her job because she decided she didn’t like it anymore. She’s been floating lots of ideas, like filing bankruptcy or moving in with me. She thinks us living together will help her learn to be more responsible with her finances.