Ruinous or ruinous ( one word ) describes something that brings about destruction or disaster, most commonly used figuratively--
The new procedure seemed like a good idea, but the effect was ruinous.
His irresponsibility was financially ruinous; the firm went bankrupt a year after he took over.
Ruin us or ruin us ( two words ) means cause destruction or disaster ( ruin ) to the speaker and one other person ( us ), most commonly used to refer to financial, political, or professional disaster--
We had a bad year, and these new regulations may ruin us.
How could you give the press such a story? It will ruin us!
Now that you know that, you can say--
"His latest political blunder was ruinous; one more like that will ruin us completely."
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