Meaning of “if/when it comes to the crunch” in the English Dictionary

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"if/when it comes to the crunch" in British English

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if/when it comes to the crunch

if/when a situation becomes extremely serious and a decision must be made:

If it comes to the crunch and you and your husband do split up, you can always stay with us.

(Definition of “if/when it comes to the crunch” from the Cambridge Advanced Learner’s Dictionary & Thesaurus © Cambridge University Press)