You\u2019ve known for some time now that something is wrong, but you just can\u2019t seem to find the courage to confront your spouse on the issue. What you do know is that he or she has been distant lately, and that, along with a few other signs, means that there\u2019s a problem that needs dealing with. Sure, it could be anything. And you probably want to dismiss what you\u2019re feeling, that gnawing suspicion that your spouse just might have a gambling problem. How do you know for sure if it\u2019s gambling? Here\u2019s how to get a handle on the issue and confirm your suspicions. Step Back and Try to Remain Objective Before we go into the signs that experts say indicate an existing or growing problem with gambling, it\u2019s important that you approach the situation with some sense of objectivity. This will no doubt be quite difficult to do. You\u2019re caught up in what\u2019s going on, since you and your spouse live together. It would be unrealistic to think that you wouldn\u2019t be affected by the type of behavior and negative consequences that come from problem gambling. Still, you have to maintain impartiality if you\u2019re going to be able to look at the situation and recognize the common signs. Otherwise, you\u2019ll be falling into the trap of denial and dismissing what are to others obvious red flags. In any case, even though it\u2019s tough to do, you really need to step back and try to remain objective. What is Problem Gambling? In order to look at what may be going on with your spouse relative to problem gambling, it\u2019s necessary to define what problem gambling is. Problem gambling, compulsive or pathological gambling, are terms that are used to describe a behavior disorder that has a tendency to become progressively worse over time \u2013 unless it is treated. There are specific diagnostic criteria for assessing problem gambling as described in the Diagnostic and Statistical Manual of Mental Disorders (DSM-IV), which is published by the American Psychiatric Association. For the purpose of this article, we will be concentrating on the terms problem gambling and problem gambler. There terms are meant to describe an individual whose gambling causes emotional, financial, psychological, marital, legal, or other difficulties for themselves and for those who live with and care about them. It is important to make this distinction here, because most experts generally view problem gambling as somewhat less serious than either compulsive or pathological gambling. But that doesn\u2019t mean that problem gambling isn\u2019t cause for worry. Problem gambling may lead to compulsive and then pathological gambling. And, since problem gambling doesn\u2019t exist in a vacuum, other addictive behaviors are commonly seen in a problem gambler. These may be a contributing factor or could arise out of the gambling behavior and include problems with drug abuse, alcohol, and\/or addictive sex. Types of Problem Gamblers You may have not have heard the terms action gambler and escape gambler before but these are the two broad types of problem gamblers. Action gamblers are typically men. They may have begun gambling when they were teenagers. Skill games are their preferred form of gambling, so they gravitate toward sports betting, poker, craps, dog racing and horse racing. What drives them is the belief that they are smarter than the system, and that they can consistently beat the odds and win. Escape gamblers, on the other hand, generally drift into gambling a bit later in life. As the name implies, these gamblers get into the habit as a way of escaping their problems. Loneliness, depression, bad marriage, too much stress are some of the problems they\u2019re trying to escape. Escape gamblers are typically women, but men can become escape gamblers as well. In any case, escape gamblers prefer a form of gambling that induces a hypnotic state of mind. These games include lottery, bingo, video poker and the slots. Right off the bat, you may have some idea of whether or not your spouse falls into one of these categories of problem gambler. If your spouse has always bet on football, frequently goes to the track, and has done so for most of his life, you\u2019re already in the right ballpark to suspect that there may be a problem with gambling. There is some research that suggests that people who grew up in families where gambling was prevalent tend to be more likely to gamble themselves. If the gambler in the family considered gambling as a way to solve problems, financial or otherwise, this attitude may be passed on to the children. In addition, people with a history of depression, hyperactivity, and mood swings may be more likely to gamble. While there still needs to be much more research done in another area, children raised in families where the father is absent, whose parents are workaholics, are abusive, or where money is used to show either love or anger, may be more likely to develop into problem gamblers. Problem Gambling Stages Problem gambling progresses in stages. Some addiction experts separate it into three, four, five or more stages. We\u2019ll simplify it into three stages. First there is the winning stage. This is the period during which an individual discovers gambling, finds it exciting, intoxicating, a highly social and entertaining activity, and begins to see it as an escape from worry, stress, family or loneliness. The gambler may experience a few wins and begins to shower loved ones with gifts. He or she still has control over gambling at this point, meaning there is still money and the gambler isn\u2019t resorting to extraordinary means to fund gambling. Life is good for the gambler in the winning stage. It will likely be the last time that this will exist. The losing stage comes next. How quickly winning turns to losing varies \u2013 it could be extremely fast. No longer experiencing the consistent wins, the gambler becomes more preoccupied with gambling. They experience a need to make bigger bets, to bet more often. Money becomes an issue. All this begins to take an emotional toll on the gambler. Then, as losing continues, the gambler begins to \u201cchase\u201d the losses by making progressively bigger and more frequent bets even as he feels mounting guilt and shame over his actions. It\u2019s during the losing stage that credit cards get maxed out, insurance policies cashed in, items pawned or personal property sold, savings robbed, and retirement funds exhausted. Heavy borrowing becomes commonplace. The gambler starts missing work and lies to his or her family about gambling. A string of phony stories and lame excuses are offered to family and friends when the gambler gets jammed up and needs cash. What they\u2019re looking for is a bailout in the vain attempt to recoup their losses. The family begins to suspect \u2013 here\u2019s where you come in \u2013 that there\u2019s something really wrong. Creditors may start harassing the family demanding payment for past-due bills. Your mortgage may be past-due or perhaps one of the family cars is repossessed. The utility companies may even shut off services due to non-payment of bills. Addiction experts say that it\u2019s during the losing stage that many problem gamblers start calling gambling hotlines. If they recognize that their problem has reached critical stage, they may be amenable to getting help. Unfortunately, many more don\u2019t stop gambling and progress to the next stage. The final stage of problem gambling is called the desperation stage. As debts mount, his or her health shows signs that the stress is eating away. Insomnia is a frequent occurrence. Relationships deteriorate with spouse, loved ones, close friends and co-workers. Financial problems reach critical proportions. Eviction, foreclosure, and bankruptcy may occur. The problem gambler has reached the end of the line. Feeling hopeless, powerless, depressed, filled with guilt, shame, and remorse, the problem gambler in the desperation stage may switch to escape gambler games for the purely hypnotic effect \u2013 anything to escape the intolerable reality his life has become. Some problem gamblers leave their family at this point, preferring to run away rather than face what they\u2019ve done. Others attempt suicide. Still others make the decision to finally get help. What happens if the problem gambler continues in this desperate stage? Here\u2019s where a fourth stage comes in. It\u2019s known as the hopeless stage. Depression is common and suicide is often the only option the problem gambler sees at this point. But let\u2019s not think about the desperation stage right now. At this point, let\u2019s look at some specific signs to confirm your suspicions and know for sure if your spouse has a problem with gambling. Warning Signs of Problem Gambling Since you live with your spouse or partner whom you believe to be gambling, be on the lookout for these warning signs. \tLooking over the monthly statements for checking and savings accounts, you see withdrawals that you had no knowledge of. \tChecks start bouncing and non-sufficient funds (NSF) fees add up. \tCredit denial letters start arriving in the mail. \tItems around the house start to disappear. \tA flurry of collection notices arrive in the mail and creditors start calling demanding payment for past-due bills. \tThe bill for your spouse\u2019s cell phone for calls and\/or texts starts ratcheting up. \tYour spouse is always secretive about money. \tDespite having a job, your spouse always seems to be short of cash. \tYour spouse may have taken over the bill paying, but you notice that only the minimum amount is being paid on bills. \tYour loved one may become involved in very high-risk investing or starts frequently trading. \tDespite the bills going unpaid, you discover your spouse has an unexpected and large amount of cash. \tYou notice that your wallet or purse is depleted of cash that you know was there, or your child says that money disappeared from his piggy bank. \tFriends start asking when your spouse will pay back loans, or you find that there\u2019s an increasing amount of payday or other unexpected loans that your spouse has taken out. Problem gamblers also start experiencing difficulties at work that you may become aware of. \tMissing work, arriving at work late and leaving early are typical signs of mounting problems with gambling. \tUsing sick days to get off work to gamble is another telltale sign. \tYour spouse starts taking extended lunch periods or long breaks. \tYour spouse\u2019s boss comes down on him or her for failure to finish projects or tasks at all or on time. \tYour spouse uses the company telephones for non-work related calls. \tCo-workers report that your spouse is making calls related to gambling while at work. \tCo-workers also may tell you that your spouse has asked to borrow money from them and takes an extreme interest in office pools, particularly sports pools. \tYour spouse gets a reprimand for using office computers to gamble. \tCash advances on the company credit card used for gambling purposes, stealing or embezzling funds at work, and asking for frequent advances on a paycheck are other warning signs. What You Can Do Adding up all the warning signs, do you have your suspicions confirmed that your spouse has a problem with gambling? If the answer is yes, you have enough evidence to confront your spouse and ask that he or she get help for the problem. But is that a good move on your part at this point? What should you do, and in what sequence? As the other partner in the marriage, you have a vested interest in keeping the union together. What happens to the family is very much dependent on the healthy relationship that the two of you share. When your spouse develops a problem with gambling, unless it\u2019s treated, it could spiral from its current stage into an ever-increasing downward plunge. Gambling addiction experts caution that encouraging your loved one to get treatment for a gambling problem may meet with a number of different reactions. First is denial. Your spouse will tell you anything he or she thinks you will believe in order to get you off the subject of gambling. There\u2019s no problem. I\u2019m not gambling. I can handle it. Stay out of my business. Everything will work out fine. These are just some of the statements you may hear. Of course, they\u2019re probably lies. So you need to be diligent and persistent about trying to encourage your spouse to get treatment. It won\u2019t be easy. But you definitely don\u2019t want the situation to get any worse than it already is. What you can do to help ease your own mind is learn all you can about how to deal with a spouse or loved one with a gambling problem. Consider joining Gam-Anon, the 12-step organization affiliated with Gamblers Anonymous. Gam-Anon is for the family and close friends of a gambler. Its sole purpose is to help assist you with the problems you face in your life due to your spouse\u2019s gambling problem. It\u2019s that simple, and that complex. Maybe you don\u2019t feel comfortable yet in actually going to a Gam-Anon meeting. Or, perhaps you\u2019re afraid that your spouse will not take kindly to your attending. But you can go online and get answers to a great many questions you have, as well as find online and telephone support groups that can help you come to some reasonable way of dealing with your situation. No, it isn\u2019t counseling, but it is support from others who are in the same position as you. These people know what it\u2019s like to have a loved one consumed by gambling problems or addiction. They\u2019ve learned how to cope, continue to encourage their spouse or loved ones to get help to overcome their addiction and, failing that, to mutually support each other so that life can go on. Gam-Anon meetings are safe places to bring up your current situation. No one will judge you. It is anonymous, so you don\u2019t have to worry about others knowing who you are. You can laugh with others, cry, talk about what\u2019s bothering you, ask for suggestions, and listen to the stories of others. This is a community of support \u2013 and it\u2019s something that you need very much in learning how to cope with living with a problem gambler. For now, just go online and check out the website. Look at the questions and answers. Download and print out or keep on a flash drive some of the Gam-Anon resources and publications. Check into some rehab facilities that treat gambling addiction. Talk with a trusted friend, another family member, your minister or doctor. But do definitely seek some help for yourself. If you\u2019ve confirmed your suspicions and are sure your spouse has a gambling problem, you can\u2019t force him or her to do anything. But you can help yourself and be in a position to encourage your spouse to get treatment. Bottom line: Reach out and get help for you. This may be the most important thing that you can do right now.