Once you do embark upon the separation or divorce process, it is very important to remember three key things: Be kind, be reasonable, be brief. Remember that this person will no longer be your spouse, but he or she will continue to be your co-parent, family member, and perhaps business partner in certain assets or entities.
The rarity is the sudden epiphany or single turning point showing you with dramatic clarity that your marriage is over, although that does happen. Most relationships hover on a precipice for years before one party or the other finally decides it is time to jump, and coming to the decision isn't easy.
Generally, there are no lightning bolts or magical signs that tell you when it is time to get divorced. When the bad starts outweighing the good on a consistent basis, you may feel that taking the next step is appropriate. It is a very personal decision and most likely should be arrived upon with the help of some kind of counseling or support.
Do I believe in coupling? Do I believe in commitment? Do I believe in co-parenting, raising children together, having a family, and growing old with someone? I absolutely believe in all of those things. I just don't believe that you need to be married to do that. I love going to weddings, though. I do love a good wedding.
Conversations about money certainly are not sexy, but they should give each of you some clarity and enable you to enter into your marriage with a better understanding of each other and what is important. Work and home responsibilities, joint or separate accounts, budgets, etc. are all subjects which should be discussed.