Yep, DJ is right on the money. Overspending is definitely a BP thing. Have you talked with him about your plan for this account? A lot of folks see the wisdom of this strategy (as long as they're not in a manic cycle). Long-term, he's got to get the behavior under control himself with meds and therapy, but if you can help him not dig the hole deeper while he's working it out, I'd say go for it.