My friend — let’s call her Betsy — is a stay-at-home mom. She loves her two children, but she has serious marital issues. She knows that her husband has a problem with alcohol. As her friend, I desperately want her to leave him. She wants to leave, too, but one thing stands in her way: money. Betsy married young and hasn’t worked outside the home in years. She has no money in her own name and barely has a credit score.