How about being honest and say that you had been thinking about your situation and that it may be best for all concerned that we start to work within our individual means and could you please have the cards back. It would certainly send a signal that you are detaching. And your W may actually appreciate the candor. Just be careful how you make the point. You don't want to come across as petty or vindictive.
Me51 W53 S17 S14 M22 T25 Bomb-9/11; A-11/11; I move out 11/11
It's easy to find our bottom, it is our top that requires cultivation.
Every rough spot adds to our emotional constitution. -Barney Fife
