FWIW, regarding the savings account: I'm not real keen on the idea of setting up your own savings account right now. It'll put her on the defensive, and she'll just set up her own savings account in response. Maybe a different story if you think she's being irresponsible or dishonest with the money though. But if not, then I'd tread lightly there for now. Pick your battles.
When it's time, YOU'LL have to decide if you're moving home, or moving out. If it's move out, then you spend community property money and move into a decent place. Don't start setting up separate finances until you do it legally, or in cooperation with each other. That's a very sensitive area.
Even if you've distanced yourself from God, rest assured, He hasn't distanced Himself from YOU. He doesn't promise an easy life on earth, in fact, where there is evil, there is pain. No matter what your level of faith right now, you have nothing to loose by praying. Ask your God for wisdom, courage and strength to get you through whatever hell you find yourself in. Just ask and you might just be surprised by what He gives you.
God Bless,
COG
My Story http://www.divorcebusting.com/forum...&Number=660444&page=2#Post660444