her debt, per HER words, is ” not your (my) problem”
( she wiggles this debt into conversation with less than 30 days before the wedding)
ANY joint account would count as “her” asset and be vulnerable to creditors sniffing ’round.
It’s not that i do not trust her, but her crappy fiscal state is not going to be digging its hands into what meagre money I make. What i make I am happy to spend for “us”.