Just to clarify-- I have access to joint accounts, but I do not have access to his individual accounts which may or may not have co-mingled $$. I don't know.
And I definitely don't know how he's managing his brokerage accounts which are legally partly mine since he comingled the $$.
We haven't really discussed finances since BD-- all expenses have stayed status quo. In fact, he pays my cable/home phone bill-- I don't have access to that account! I will ask about that one.
He makes way more than me so financially it is probably in my best interest to keep things as is. He is paying most of the bills. I think he'd jump at the chance to move forward with separation if I drove it. But I suspect (mind reading) that he a) feels overwhelmed at work;; b) guilty and c) still a bit ambivalent -- afraid to move forward but afraid to move towards me.
But now that nearly a year has passed, you're right-- I have to face some realities. There have been some significant (small, but significant) positives lately...but is that enough? Dunno.