1. Is a totally veiled threat. If you break up with her, you cut off her narcissist resource (which is you). So, of course she wants to threaten you to stay with her, so that she can continue to emotionally and verbally abuse you, which meets some dysfunctional need of hers that she refuses to address and fix about herself. So, she seeks out people like you, who will defer to her overbearing nature, and at the same time, sacrifice yourself and your self worth in the process.

2. Someone who loves you doesn't do that.

3. That right there, would have been the straw that broke the camel's back for me. Financial abuse is not ok. She's left you with literally NOTHING to support yourself with financially; again so she can have her needs met (in this case, her bills), whilst you drown in debt and ruin your finances and credit in the meantime.

Sorry for my previously long winded post. But your fiance could be a carbon copy of my cousin's first ex-wife. She ruined him financially after she married him. She quit her job, and refused to work although she had no children. So, my cousin took on multiple jobs, to pay her bills, his bills, their rent, and top out all of his credit cards to the point where he had to file bankruptcy after he divorced her.

She was also nasty to his family at family events, and refused to be nice to anyone. She emotionally manipulated my cousin to the point where she transformed him from a happy person to a completely miserable person over the course of the time they were together. She refused to go to counseling with him, refused to stay on her medications for mental illness, refused to go to individual therapy, and threatened suicide on my cousin anytime he said he was going to divorce her.

When he finally did divorce her, he had to be covert about it. He broke their lease, made arrangements to move back in with his parents, and moved out while she was out of town (on his dime, too, on vacation). When she came back from her paid-for vacation, all hell broke loose. She called up my cousin's multiple places of work making threats to him, showed up un-announced at his work or social events she wasn't invited to, and even to his parent's house. He had to take out a restraining order against his ex-wife. She refused to sign the divorce papers for 1.5 years. He had to get legal help to force her to sign the papers. In the end, she became an inpatient, signed the divorce papers, and finally left my cousin alone. Now obviously, this is just his story. But I shared it here, to help you with perspective.

You need to ask yourself, if you really want to commit yourself to someone like your fiance for the rest of your life. Or, cut strings now, spend some time recovering financially, emotionally, and socially, and then try to find someone who is truly your equal, who won't pigeon hole you, emotionally abuse you, or verbally abuse you the way you describe your fiance.

Life is too short, to spend it making others happy when you deserve to be happy.