Lack of knowledge, immaturity or worse?

Dear Dave, My girlfriend and I have been dating seriously for a little over a year. We’re both 28, and I know I love her, but there’s something that worries me. She’s very smart, but at the same time, she’s not very responsible with money. I know that no one is perfect, but sometimes she’ll get behind on her bills in order to do things like buying clothes or going to concerts. How should I approach talking to her and explaining my concern about this? I’d like to ask her to marry me sometime next year. Lincoln Dear Lincoln, Congratulations...

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