<human>: Hi all, throwaway account for privacy reasons. Not sure if this post should be here or r/relationships, so please forgive me.
My SO's money habits are totally insane. He moved out to the other side of the country when he was in his early 20s and accumulated about $25,000 of credit card debt. He eventually had to move back home. He struggled and struggled with making minimum payments until his father stepped in and paid off all the balances on 4 different cards, and he pays him back a portion every month which I believe is interest free or close to it. After a few years of living back at home (and the help from his dad) he felt as though he was financially ready to move back out on his own again. I advised him against this and told him that he would be ending up in the same place after not too long.

He's been out of his parents for about a year, and the trend is continuing. Currently, he is telling me about how he has yet to make payment on a super important bill, but is ready to make a $700-1200 purchase on one of the credit cards that's balance just went down to zero. This is just one of many illogical money ideas he's had. Pretty much champagne taste, beer pocketbook.

Whenever I mention this he gets very defensive and upset. I love him to death and truly want to spend the rest of my life with him, but I don't know how to help him change this destructive behavior. Please help me find a way to show him why he's wrong without totally killing his ego.

Can you succinctly summarize the text in 1-3 sentences?
<bot>: My SO has crazy illogical ideas with money that are ruining his finances and pretty much his credit. Need to find a way to gently speak to him about the situation. Don't want his financial problems to become my financial problems.