You are wondering if life apart is financially possible
You have been turning this over for a while, and the question underneath all of it is whether you could actually afford it.
That question deserves a real answer rather than a guess. We model what two households actually cost, what the assets would look like divided, and what your income needs to be on the other side.
Knowing the number does not decide anything for you. It just means the decision is yours to make with the facts in front of you, instead of in the dark.
What usually needs answering
- Whether you could support yourself on your own income
- What happens to the house, and whether keeping it is realistic
- How retirement accounts would actually be divided
- What the first year apart would cost