I think you have some very good points. I also am not much for paying bills on time. I am working on that now. I will be doing things to make me happy, to make myself appear more confident, and to take charge of MY life. I will be letting the wife no when I am not happy, if that causes the marriage to go down hill, so what. I intend to make my marriage great, if she does not want to come along, it's her loss. TIme to get back some confidence.