OK. as long as you're not turning the screws -- just wanted to make sure you weren't punishing.

There's nothing wrong with presenting the facts. You're maintaining two residences now. That's going to hurt, and you didn't cause it. Not a good reason to stay together, but D brings a decline in standard of living, no way around it.

If you can protect your dividend by electing not to take it now, that's the right thing to do.