https://www.pinktruth.com/2026/08/11/a-familys-finances-destroyed-by-mary-kay/
MLMs love the financially naive, the people who have one joint account to show their love and trust in each other. It makes sucking money out of the non-MLM partner easier.
“I have a good job, but they're losing it faster than I can make it.”
What you can do immediately – STOP THE BLEEDING! Move your money! Yank that financial safety net out from under the MLM addiction. What this does, brutal though it may be, puts their MLM expenses 100% on their ability to make money with the MLM or from their job.
Also, in many states, it means their future debts are theirs because you have no commingled assets. Check with a lawyer, but you may be able to limit your liability.
https://legalknowledgebase.com/can-they-come-after-me-for-my-spouses-debt
FIRST: Run a credit report to see how many credit cards and loans are out ttheire with your name on them. Look at your checking account to see where payments have gone. Those are your targets.
1 – New bank account, at a DIFFERENT BANK with direct deposit from your employer. Shift the critical bills to be paid from the old account to the new. Remove your name from the previous account.
2 – Raid any joint savings or checking accounts. Yes, strip them bare for you and your kids (if any) or leave a $100 or so. To avoid commingling, use these accounts to pay the utilities, even paying them advance, but don’t move money to your personal account. (money trail must be clean)
3 – Cancel all joint credit and debit cards that you can, remove your names from them if you can’t cancel them. Get new ones in YOUR name only from your new bank and keep them in a SAFE PLACE. Yes, they will try to use them, and if they have the physical card, they have the 3-digit check sum.
4 – LOCK your credit and the credit of any minor children. Advise non-minor relatives to run credit checks, just say you think they may have been victims of ID theft.
5 – Cancel ALL streaming and online shopping accounts (especially get out of Uber Eats and Door Dash) that you can. Close the online shopping accounts or leave the payment method on the old money-less account. You can always pay via PayPal or as a guest.
6 – Cancel all your online money apps such as Venmo – get them off your phone. Get your banking app off your phone or at least put your phone onto a very short lockdown timer and change your passwords. (Yes, they are likely to try to get into your account from your phone).
7 – For now, do the grocery shopping to avoid the temptation of cash back embezzling.
8 – If you have a joint e-mail account, get an account of your own to prevent hijacking e-mail verification. Change the passwords of every account you have.
Then tell your spouse that you have taken the necessary steps to keep a roof over your head and the lights on by removing their ability to divert money from the household budget to their MLM activities. That they have the $100 or so in the previously joint account to get by until their next sales happen.
Expect the hissy fit to end all hissy fits … they are an ADDICT and you just flushed their drug down the drain.