Bruce,

I have a question about this:
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Her pain, and how she deals with it
Can you tell me why you refer to her pain? Did she tell you she was in pain? How do you know she is in pain?

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If she wants to use this as the trigger for a D, then maybe that tells me something about her character, that she's not really good for me.
Let's no worry about her character. Because if she did leave as you have said, except for the spending, she was pretty up front about the issues. Better than what most of us here were given. Many of us found out our spouses were screwing someone.

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I will look for an attorney about potential equity issues in the house if a D comes. I'm not filing for a D. I will make her pull that trigger.
Your money could be gone by then, even if you do separate finances. Never say never. You have to be willing to do whatever it takes to protect yourself. Go look at posting by goal, especially her earlier ones where she filed for divorce because her H started a spending spree. If you are going to take this off the table, you won't follow through with anything confrontational.

IMP