Ok, I see you getting overwhelmed with so many thing to do to stand up to W. I feel you. You and I are so much alike. Baby steps. Pick one or two things to start off with...I would personally start with the joint accounts. If it will save YOU money then you won't have to rob your 401K maybe? Once your first goal is made, work on the second one..then the third.
Me: 46 FWS: 36 Married and Divorced 4/07, Pregnant 7/07,False R 7/07 Baby Girl born 3/08 Kicked him out because OW: 7/08 5/10 He realized what he had and lost. Moved home! REMARRIED 3/14/11!!