I can really relate to your thoughts on the financial realities of D when children are involved. The bottom line is that finances are a big part of why marriages and nuclear families exist. It's as much a financial/business arrangement as it is about love and commitment.
In our case, I'm the financially dependent one. H and I will take huge losses in the D. And so will our children because it will be more of a struggle to afford post-secondary education, etc.
Hang in there and keep working on you. Not separating has advantages and disadvantages. Make sure that the advantages are working in your favour.
me: 42 | STBXH: 41 | T: 18 | M: 10 | separation: Jan 3, 2010 | they deserve better: S7 & D4 current thread: http://tinyurl.com/3y8sxcp .: first breathe, then heal, then start LIVING :.