I get how you feel, because I'm barely scraping by cashwise right now and we'd crash and burn if anybody pulled their kids. But--

You can't afford to lose her, but you actually have lost her. You're working for free. Pay-wise, it doesn't matter if those kids are staying with you or not. If you draw a line in the sand and she pulls the kids, you have that much extra time to search for a legitimate, paying arrangement with someone else.

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