Pay Dirt is Slate’s money advice column. Have a question? Send it to Kristin and Ilyce here . (It’s anonymous!)

Dear Pay Dirt,

My boyfriend got a DUI a couple weeks ago. We’ve been together for a couple years and have been talking about moving in together. I never really saw the DUI coming. He actually lives pretty close to a lot of the bars he goes to and usually arranges a designated driver before the night or drinks one or two drinks if he knows he has to drive.

Well, a couple weeks ago, his friends talked him into going out farther from home. His designated driver got drunk, and my boyfriend begrudgingly looked up rideshares (he avoids taking them for a reason I haven’t been able to figure out), but there was major surge pricing. He tried to wait it out, but after an ho

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