Bud, totally agree with the money and fun thing - jees, the way she spends it (not bad for a woman who declared herself homeless and is mainly living on benefits) it's as if it's on free flow from the taps.
I se from your BD drop you're quite early in the process. Yep, we've all done the letter/R talks thing, it doesn't work.
Know how you're feeling. Buckle up, long, long way to go!
M 45 W 52 SD22 S9 D8 BD 6 April 2015 Not living together 4 Dec 2015