I think you are wise to prepare for independence. I'm finding that it does little good to emotionally "defuse" a relationship if you can't practically financially "defuse" it. Various forms of dependence are too inter-related in a marriage. It's naive to think that love/sex/money entanglements can be avoided or wished away. This is another romantic illusion that must be left by the wayside on the road to "differentiation".
"Tell me, what is it you plan to do with your one wild and precious life?" - Mary Oliver
