The dramatic 50% improvement in energy density that Li-metal anodes offer in comparison to graphite anodes in conventional lithium (Li)-ion batteries cannot be realized with current cell designs because of cell failure after a few cycles. Often, failure is caused by Li dendrites that grow through the separator, leading to short circuits. Here, we used a new characterization technique, cryogenic femtosecond laser cross sectioning and subsequent scanning electron microscopy, to observe the electroplated Li-metal morphology and the accompanying solid electrolyte interphase (SEI) into and through the intact coin cell battery's separator, gradually opening pathways for soft-short circuits that cause failure. We found that separator penetration by the SEI guided the growth of Li dendrites through the cell. A short-circuit mechanism via SEI growth at high current density within the separator is provided. These results will inform future efforts for separator and electrolyte design for Li-metal anodes.