Moving out might provide physical detaching, but I'm not sure you are going to get what you think. However, your MIL doesn't need to have financial control.
I'm concerned that you are planning all of this and yet you don't know the first thing about setting up your own place. I'm afraid you are bitting off more than you can chew. You need to have a well laid plains in how you will do all of this....and not just jump out there....thinking it will all work out.
It is not about what you feel should work in your M. It is about doing the work that gets the right results. Do what works!
