Sheila: New to your thread, but a couple of suggestions. "Do I want to be happy or do I want to be right?" This is the key to success... you know the answer here...
Re: money - divide and conquer. View it like one of your children. They have an account, they can't get to yours. They need to meet their budget or they are out of cash... simple unless I'm missing something. This will allow H to "work on" his "problem" without affecting you.
Re: Counselor - what do you have to lose going to his friend. It either helps or doesn't, at least it's a step forward.
Oh, and our good times starts and end
Without dollar one to spend.
But how much, baby, do we really need
