OK, you still have time then. Definitely open up a new individual account. It's harder to get her off your joint account. Do the planning while you still can...
Me-LBH, 48 Spouse-WW, 48 Married for 19 years Son, 12 BD #1 - November 1998 (EA 7 months after wedding) BD #2 - November 2015 (same XBF EA) WW filed D February 2016 WW moved out April 2016
