Girls, How do I talk to my girlfriend about a difficult topic without upsetting her?

Anonymous

I have been with my girlfriend for 2 years, we live on opposite coasts of the US, and since I wasn't able to find a high paying job where she lives in time to sign another lease where my current job is located, she is planning to move and live together next month. There is an age gap between us, I am now in my 40s and she is in her late 20s; but over the last couple of months I have realized that she is very immature for her age, financially irresponsible, and makes irresponsible decisions.

  • Last year she got arrested for being in a group of her friends who stole a phone from someone at a bar. Even though she didn't participate, she agreed to a misdemeanor charge. I had to pay for her fines, attorneys, classes, and court costs.
  • She got asylum to live in the US, came from Colombia so she can't work right now. She is able to find odd jobs like a bottle girl at bars and cleaning businesses and apartments. But she spends all of her money on things like Jordan's, Gucci hats, and doesn't pay her light bill or internet which should be a priority. Before I knew about her spending, I had given her a credit card to help make ends meet, but she maxed out my card.
  • She stays up all night out with friends, goes to bed at 6 in the morning and sleeps until 1 in the afternoon. Given the time difference, the first conversation I have with her is 4 in the afternoon most days. The rest of her time is on social media.
  • The lies: Told me she paid all the bills that I helped her pay to find out that she had a $400 light bill, $200 internet and I had to bail her out. Told me she was working, but discovered she went to Las Vegas and lied telling me the photos were old. (She made a charge on my credit card in Vegas).

I want to talk to her about getting serious about her life, our relationship, be more financially responsible or I am going to have to walk away, but I don't know how to not get her upset to have this conversation.

Girls, How do I talk to my girlfriend about a difficult topic without upsetting her?
3 Opinion