New to separation. Am I doing the right things?

[Accuray]

I was thinking about you in a conversation I had with FiL. FiL is a smoker and is starting to worry about his health. His response to that was to start taking a ton of vitamins and food supplements to be healthier.

If he wants to be healthier, the #1 thing he should do is to stop smoking -- it's so much more important than the vitamins, yet he spends hours researching dietary supplements. Quitting smoking is difficult, painful, frustrating, and just no fun at all.

Your financial situation is like his smoking, it trumps everything else -- keep focusing there!