You cannot control what your W thinks. You cannot afford to submit to her guilting you. And, she will guilt.......especially when it comes to finances. She is not being realistic, so that means you are the only rationally thinking adult. Don't get caught up in her drama.
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Wife also believes that even after we D that if I make it back to where we were, that she is entitled to that as well. I see it as we were in this together, and if you decide to leave, that ends your benefit (pending what the agreement would end up looking like) and if I move on, move up, whatever that she is not a part of that.
Speak to a D lawyer about your concerns. Don't guess at how things will be. Get the legal facts.
How are you doing with GAL? Any plans to do something fun this weekend?
It is not about what you feel should work in your M. It is about doing the work that gets the right results. Do what works!