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How much does a divorce cost? I don't mean the mental costs or even the cost of finding another place to live and all that jazz.

What I'm talking about is the actual cost of going to a lawyer, retaining his or her services, and paying for the lawyer to do whatever divorce lawyers do. I'm guessing they have to draw up documents, negotiate, and answer about a million questions from people like me who are confused and scared out of their minds.

So how much does this cost? I'm guessing it depends on what's involved. If I was to leave my guess is that the divorce would be contested and there would be custody issues. Does this cost more than an uncontested divorce?

When I did an initial search for divorce lawyers I was surprised to see that some of them offered payment plans. Financing a divorce? I was flabbergasted. It must cost a great deal of money if it needs to be financed.

Yes, I'm naïve. I haven't built up the nerve to actually make an appointment with a divorce attorney because I'm terrified of starting the process. Going in to see a lawyer and asking the question of how much it will all cost means that I'm really going through with it, and I just don't know if I'm ready to do that.

So instead of getting an educated estimate of the costs involved, I worry about if it's something I can afford or if I'll wind up financing it.

What a thing to finance. The very thought scares the heck out of me.

Last week in "Since You Asked," Cary Tennis's advice column on Salon.com, a young woman in a sad marriage suspects she shouldn't be married at all and wonders how to be happy again. The poor thing is caught between the guilt born of a religious family of origin who believe divorce is a sin, and a self-evident truth that she got married too quickly and simply doesn't love her husband.

She even says her husband is a perfectly nice guy. Huh. Sounds familiar.

Tennis's response blew my mind. It validated her (and my!) discomfort as perfectly legitimate and pointed out that leaving the marriage is not a selfish act but instead rectifies the previous selfish act of marrying for the wrong reasons.

Staying in a marriage that cannot be fixed is continuing to patch something that is monumentally broken.

Further, leaving would release her husband from marriage to a wife who doesn't want to be with him any longer, and he could move on. In this case, if the act of leaving is not an act of service to another, I don't know what is.

Cary also talks about how we all carry with us something like a personal truth — he describes it as a package we clutch to ourselves through thick and thin — and suggests that in her case that truth, the thing that defines her and that she is compelled to honor in her life, might be the spirit of freedom.

Perhaps she is a free spirit and marriage in general is not a good fit. Amen. I don't know if he has her figured out, but he sure has my number.

We've been looking for a place to rent for almost two months, but we're still in the same broke boat, with the same crappy credit we had two years ago when I left.

And just like when I left, and all the long years leading up to it, the weight of financial pressure creates this ongoing competition for resources that exacerbates all of our other problems.

Sam says I'm more stressed about it than he is.

He says it to me and he says it to our therapist, then we walk out of the appointment and he accuses me of wanting more than I actually want, of wanting to keep up with the Joneses, when actually I could not care less about anyone else's lifestyle.

I don't want a McMansion. I just want to get by without struggling.

It's the same old fight.

Not being able to support our family makes him feel inadequate, and I know it's true because when I left because he owned up to it. Admitted the nasty things he said were about being angry with himself, not me.

So I call him on it, and he apologizes. It's an improvement I'm willing to work with.

Our therapist once told me finances are cited as a key factor in 80 percent of divorces. Money is the number-one point of contention in marriages. I'll buy that. There's so much stuff bound up in dollars.

Like they say, money is power. So, of course, there's contention about who spends it and how. That's assuming there's money to be spent.

Those arguments feel luxurious to me. We don't get to fight about whose spending irresponsibly. More likely, I ask Sam to ask his family for a loan; he refuses. Or what we are going to do about child care this fall because we owe Lila's pre-school more than it cost me for a year of college back in the day, and until we pay it down, we can't use their before and after care program.

Sam and I both work hard at jobs we love, but we don't make much money doing it.

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What would happen if I just made up my mind to leave? How would life change for me and for my family? Would I find the inner peace that I lack right now? Would everything magically get better?

I'm not delusional. I know that it would be ridiculously hard. Most of all, I know that it would be a really difficult transition for my kids. They're young and as far as they know, mommies and daddies stay together.

Did I say it would be "difficult?" Maybe I should change that to "horrible." "Tragic." "Life-altering."

"The end of a secure life."

Am I being dramatic? I just try to think of what it would be like if a life truth was suddenly changed for me. What if my house burned down? What if I lost my arm? I can only imagine what it's like to suddenly have everything change.

I know that I would recover just fine. I know the process would be painful, but in the long run I think that it would make me happier overall. Then again, how can I be happy when I cause so much pain to my kids?

What a tangled web.

If I one day suddenly blurted out, "I can't take this anymore. I need a divorce," then it would be a bizarre combination of a huge weight lifted off my shoulders while also opening the door to a bunch of new drama and turmoil. It’s like I know what I want the eventual outcome to be, but I don't want to deal with all the stuff in between.

So what happens if I just make up my mind to leave? The world will be turned upside down. My life will never be the same again. The question then becomes, will the new life be better, and worth the effort?

OK, so you're asking: Why am I still here?

I think I've got a new answer this week: Monkey Branching. You know, brachiation, swinging from limb to limb. Something gibbons do in the jungle.

It's positively evil, emotionally unhealthy, this notion of keeping one hand on the solid branch of home, family and two cars in the driveway, while reaching the other hand out for some branch that may be out there somewhere.

But that's how I plan to go about searching the suburban jungle — finding something, some new guy, new while clinging to the old.

It's not like no one's ever done this before.

In high school we called it keeping another guy on the "back burner," in case some other relationship turned out not to be on the boil.

Alas, in high school, it was just you and the candidates for prom date. Now anyone on the back burner, or, to mix metaphors, any new branch, is going to have to hold not just my heart but my two children as well.

What sort of man would provide such a strong branch? Who would want to? One thing I do know: I won't be swinging on any new branches without my kids.

I know, I know.

My girlfriends, the talk show psycho-bablers, the self-help books, the marriage counselors, all say, "You have to be on your own before you can find somebody else."

Yeah, but I've been on my own before.

I'm no princess, waiting in her turret for Prince Rescue to come along. I've paid my own rent. Worked in Corporate America (high-profile and six-figures, thank you). Dated bigtime in the Big Bad Apple.

It's just that I've never done it with two beautiful pre-school kids in tow.

Monkey branching? Me? The library-helper-mom? The bake sale mom?

Isn't that sleazy?

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I'm somewhat resentful and frustrated by aspects of my parents' marriage and divorce but that hasn't blinded me to the lessons to be learned.

I've learned from my parents' marriage not to let a few rocky patches turn into decades of dissatisfaction. Their betrayals of each other — big and small — and their unhappiness across the years show how easily people can get stuck in terribly unhealthy relationships. So with Rob, I've delved into couples therapy. And if that doesn't work, I'm not going to stay put forever.

I've also learned — and this is a big life lesson — how to muster feelings of compassion toward very difficult people. I can't forgive my father for his betrayals, or forget how he could make his kids feel like unwanted nuisances. But as his Alzheimer's disease rapidly progresses and he becomes further forgetful and confused — and, ironically but most helpfully, increasingly nice and gentle — I can let my resentment go and help him. He didn't take care of me so well, but now the roles have reversed, I don't need to repay his unkindness.

In all the crap life throws at us, divorce and disease are up there among the worst. But it is short-sighted to dwell on their difficult aspects only. Lessons to be learned, silver lining, lemonade from lemon, "challenges" — call them what you will — I'm not letting anything get the best of me.

Though...I'm on duty with my dad for the next few days, so let's just wait and see what I have to say after that.

A year ago when Sam and I began round three of counseling, our therapist recommended we draw up a contract, a kind of pre re-nup agreement, spelling out our needs and expectations.

Said it's a way to protect yourself — not your finances — the self that is YOU from being swallowed whole by enormity of committing to forever as part of a pair. Fear of losing myself in this, or any other, relationship ever again is huge for me.

She said it could be a detailed as, "If I want to go traveling in Asia alone for two years, it will be alright with you."

I never drafted it. Truth is, back when she was giving that advice I still thought I was in counseling to end my marriage, not to consider how best rebuild it.

What a difference a year makes. Closing in on this reunification, here's the rough draft of my Soul Protection Contract:

-I will always have a room within our house that is mine alone to work, think, be, and sometimes sleep in. It will have a locking door.

-We will have each have one "off duty" weekend every month with no responsibility for parenting, housekeeping, or partnering.

-We will have one free day (or night) every week.

-If someone does not use his/her time, that decision does not affect the other's right to do so without guilt.

-If I have the opportunity to travel for work to a place you would like to go, but can't because of your own work, this will be okay with you.

-When I need space for friends or I need to spend nights-on-end holed up in my room to write and think, and I emerge only help with the kids, this will also be okay.

-We will maintain separate banks accounts in addition to our household account.

-If you want to take an extended road trip with the girls during your summer break (Sam is on a school calendar) and I cannot go because of work, this will be okay with me (and with you.)

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Maybe this is the real reason I still haven’t filed for divorce: I just don’t feel like it. It’s probably that lazy gene Jill Brooke wrote about.

For a while there I thought, feared, that Ed’s absence was making my heart grow fonder. But as I listened to myself explaining my delay to my (happily married) friend Melody, I thought: What am I, crazy?

OK, the Ed who never minded interrupting road trips to stop at outlet stores, the one who cooked dinner, the one who rescued animals in distress, he was great. And I guess I can admit missing him.

Unfortunately, he shares a body with that other damned Edgar.

The one who spent the mortgage money on a boat.

The one who didn’t quite understand the difference between a wife and a secretary.

The passed-out-on-the-floor-drunk one I rousted to go with me to the hospital when I thought I was having a heart attack. (Big mistake: I should have gone alone.)

These past few months, my estranged husband really hasn’t been any trouble. And I’d like to keep it that way. I expect, though, that filing those divorce papers will change that.

While whining to myself about how I don’t wanna do it, I had a great idea.

There should be a sunset provision for marriages.

Nolo.com defines a sunset law as one “that automatically terminates the agency or program it establishes unless it is expressly renewed.”

I propose that marriages sink below the horizon after seven years, unless the parties take action to continue them.

I mean, you have to renew your driver’s license every now and then -- less often than you must register your car or dog.

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The other day I was having a conversation with a friend of mine from church. She asked me how my husband and I had met and I laughed while I told her the usual thing I tell people: "We met in the dormitory and he couldn't stand me."

Everyone gets a real kick out of this story about how a man could detest a woman but eventually wind up married to her.

I've been thinking about this a lot. Does my husband like me now? I can't imagine I'm all that easy to live with. I tried to leave him once and I'm emotional unavailable a good portion of the time because I don't feel connected to him. I don't initiate sex. I work long hours and I'm critical of him when he doesn't push himself like I push myself.

I don't think I would like me either.

He's professed his undying love to me through this entire process of trying to figure out if we'll stay together, but I'm having a hard time figuring out if he really loves me, or if it is instead a case of not wanting to wind up divorced like his parents, or not wanting to break up the family, or — hopefully not — he doesn't want to lose the dame who cooks his meals and makes sure he has clean underwear.

Would I want to stay with someone like me? No, I probably wouldn't. Then again, my husband has pushed me to the sheer brink of madness but I'm still here, aren't I?

What a mess.

If you've never been in a situation where you didn't know if your husband's love for you was genuine or if instead he really liked having a live-in maid, then let me tell you this: It stinks. It's also very confusing. Most of all, though, it's awfully lonely.

I've blogged about contemplating separation from Rob, but barely discussed how I recently became a child of divorce. After 37 years of marriage, my parents split when a marathon argument revealed the details of my fathers' many affairs...the longest and most significant of which was with my best friend's mother. (What a jerk, right?)

My mother's decision to leave my father did not rock my world at first. I had felt, for many years, she owed it to herself and her kids to get out from under his cloud of darkness. The illogical behavior and unreasonable mood swings grew worse over time. Finally, she was taking action.

The tragedy is this: months after their split, my father's crazy behavior was diagnosed as early-stage Alzheimer's disease.

And just a year later, the disease has ravaged his intellectual capacity and ability to communicate. This once angry man is now a gentle giant in need of my care.

I'll never fault my mother for leaving. But the timing of Dad's diagnosis weighs heavily on her, as if she should have known and stayed to care for him. (Traditionalists might point to marriage vows and agree.)

But I can't spend time helping my mom feel better about herself. My siblings and I have more pressing concerns. My dad, the man who put the anguish and anxiety in my childhood and who betrayed my entire family, now like a child, is a serious responsibility.