Where I live the banks won't deal with you if you are separated without a legal agreement. It is to release you of responsibility of each other's debt and to seperate your assets. If there are children involved it also addresses custody and access. Sometimes this is necessary if you have one spouse that will wrack up debt while you are living apart. I wouldn't rush into one if the spilt is short term but if it's looking like you are going to be living apart for a year or more it is helpful to know where you stand financially.

Me 52 H 44
T9 M 5
BD 12/11 H
split 8/12
OW moved in 12/12
OW gone for good 6/14
We get closer again 9/14
SD 13 Me 4 Grown





Accept what is...let go of what was and have faith in what will be.