Spouse and I are potentially headed down the separation path. She owns several businesses and uses her personal financial accounts for both business and personal.

I've noticed on her statements that she seems to be intentionally floating debt. Personal Line of Credit around -$10,000 and Personal Credit Card -$10,000. As well as a 2013 vehicle which should have been paid off long ago -$30,000 .

The amount of money being spent from these accounts annually is equal to the amount of money being deposited into them ($90,000) yet she is always holding this debt. It seems intentional and not poor financial planning.

Is there any financial reason she could be doing this as leverage when it comes to a separation? Or perhaps this is some strategy related to business ownership?