i dont disagree i just need to settle a number of financial matters (current mortgage is one which neither can afford alone, accumulated debts are substantial - equating to a loss in selling the home - not to mention a lack of upfront initiation costs are unavailable, I'm also settling my dads estate - although the inheritance will allow the financial freedoms i need to act on your suggestion)

BD Oct 2016
Me 47, W 43
together 25 years
S 25, D 22