She does have a rather well paying job. That is why I have kept account joined so far cause she usually makes plenty for herself and more. Most of mine goes to bills lol. Almost all of mine as a matter of fact.
Okay, so is she still putting all of her money in the joint account? Which of you actually sits down to pay the bills each month? If it's W, do you know all the information to be able to access the account?
If your income has been paying most of the bills and she, therefore, has the "extra" money, it wouldn't surprise me if SHE ends up splitting the accounts. (She obviously isn't going to want you having access to what she's spending "her" money on.)
Again, I just don't feel qualified or experienced enough to advise you on this. So take this for what it's worth. Seems to me that if you're paying all the bills and you split the accounts, or she yanks her money from the joint account, you are left with all the bills and little extra income while she's going to end up with an abundance of money - and no bills - while she's having an A.
If you guys are living apart, seems to me you guys should be splitting the bills, proportional to your pay??? But I could be thinking about this from the perspective of a PARENT and not a spouse with no kids ...
All I know is you need to protect yourself financially and be sure that if W pulls her money, you will be okay.
Starsky!!!! (Lol.)
M: 40 H: 44 Married 14 years S11 & D6; D20 & D19 from previous M 2BDs/PAs, 8 years apart Piecing: April 2014