Affair discovered 2

[STH17]

So one conversation I regret not having with W sooner (before she was involved in an affair, but was spending a lot) was to assert that I needed to have some spending money of my own. I've always put off buying things that I wanted, thinking I couldn't afford it or didn't really need it.

Is it just too late to have this conversation now? Or do I have the conversation now more as a courtesy of informing W of what I am going to be doing for myself? We agreed to close accounts, then she changed her mind. Is this something I shouldn't bring up again myself, same rules as R talks?

I think I should definitely have a separate account of my own, and don't necessarily need to tell W that. But now it sounds like I am being advised here to talk to her first before making any moves.