Hi HeatherG I need get up to speed on your situation but I did want to respond to that last post. I believe you said you and your H are working on the M and not in a a state of separation right now, accept different bedrooms? What's the money situation. I know from my own experience that H and I having separate accounts was just one more thing that made us feel divided. I believe in differentiation mentally/emotionally etc but I think a couple needs to have some sense of togetherness - meaning I definitely would be sleeping in the same bed! and I also like the idea of joint accounts. None of this "you owe me" stuff. That works against what you are trying to accomplish. Might as well be roommates. Also, I just need to comment on your H's typical responses to you. From what I have read so far, he seems VERY disrespectful and sometimes outright mean. Why do you put up with that behavior???? Hate to be cliche, but people treat us the way we let them treat us. That's an oldie but goodie. I hope the two of you are benefiting from MC. Need to get to work now but will follow up later. Have a nice day!