W told me last night that she would set up her own bank account soon. So far we have been managing everything through our joint account. I told her "If that's what you need to do." W said she didn't feel she had any money of her own.

I don't know why, but this feels even worse than W taking off her wedding ring. Possibly because it really means working out a fair distribution, and that potential means arguments about who is entitled to what. I also know W will discuss it all with her mother, and that makes me feel yet again that it is not just us and that there is a shadow over things. I had the worst night's sleep I had in ages, tossing and turning and fretting.

W still hasn't said "I've made a decision", but everything seems to keep steamrolling in one direction. I don't want a D. I didn't ask because I'm still hoping she isn't there yet and I don't want to do anything to crystallise that decision in her mind.