Well as I've indicated I have tried to sit down and simply explain things to her, but again she shows no interest. And we need to do this sooner or later, or else I'll still be trying to explain this after the foreclosure. Get the picture?

When I spoke about lunches, gas, etc those are not life altering decisions. You eat your lunch and buy your gas as cheaply as you can. What I meant was that she is not trying to be part of the solution. Our financial position is precarious.

Lastly she's not stupid and I never said she was. She is indifferent for whatever reason.

That's pretty much it.