Say you and your W were happily married. If your W was at the market and your daughter needed help filling out a form would you wait for your W to get home to do it or would you just take care of it? I would hope you would just get it done. Why would things be any different now?

If you want things to change you must be the "agent of change" and IMO you still let your W take the lead far too often.

What's the point of a conversational message board if you respond with *shrug*?

At least be honest with yourself. You don't want to split the bills because it is one of the last things you and your W share and you are fearful to move forward.