Here's what you have to ask youself: Am I willing to carry the majority of this on my shoulders for now? Yeah, we all want our spouses to want to work on it....but the problem is that they don't want to right now. So if you are saying you don't want to do that, then you're done. If you are ok with that and willing to put in the effort and the high majority if not all of it is on you for now.