Thanks for the comments.
NW - I get what you're saying how it could be better for my daughter to be away from this. My daughter is going to school locally and she has struggled a little academically since starting college a couple of semesters ago. She wants to be financially smart and stay at home, she's happy to go to the local 4 year college. I may be able to cover her tuition for now but I can't in anyway pay for her to go away or live away from the house and I couldn't in good conscious tell her to take 10's of thousands in student loan debt to live in her own place. It would be a 180 from what we've instilled from her and would feel like I was kicking her out. I think she may get engaged in the next year however.
Also my son is in some vocational training programs so the long term goal is he would be employed in some fashion. He would be unsafe to live alone but slowly working towards as much independence as possible.
FD - thanks - I will at some point need to change the beneficiary of my life insurance and plan on establishing a trust to ensure my son is taken care of. Honestly I am planning for this whether or not we stay together. My wife does not think we need to plan for our son's future long terms which is confusing to me. When she wants to keep spending one point I raise again and again is the issue of needing to ensure we're investing and saving enough not just for our retirement but something to leave him when we're gone... I have life insurance right now but God willing I'll outlive that. She just says vague things like her family will take care of him. If something happened to me and she got the whole of my life insurance I don't have any confidence she would be able to manage those funds and make them last for her.
H&T - I feel you've been on a similar path to me but you're a little ahead of where I am. I appreciate your words and seeing your journey unfold.
1. Yes working on the finances but it is difficult. The changes I've made have made it that for the first time in the last 8 years we're not increasing our debt month over month. I'm even able to put some away and pay down some debt every month as well. Unless I get another revenue stream it's going to be hard to reduce any more. My uBPDw is getting increased hours and converted to a regular employee from a contractor so assuming we're together for at least 6-12 months we will see another financial counselor, once they review the situation they she will need to contribute more to the joint finances. Also I am scared of the reaction she will have with one of my next boundaries which is I will not be buying her alcohol. If she wants to drink she will need to pay for it herself. I will tell her if I choose to drink again I will need to pay for it myself. And on that note - I haven't drank in 3 months and not planning to any time soon, definitely not around her. I expect a big rage and a lot of animosity around this one so I'm working the courage up to set it.
2. Will look into specific timelines but would realistically take years to pay off all debt even with her contributing more so I don't think I can use that. Just trying to save as much as possible, pay down a reasonable amount of debt. Will need to consult with lawyer but would hope assets and debts would be split evenly (I have no idea how realistic that is). We have enough equity where I could pay off my 1/2 of the debt and have enough for 20% on a home purchase with some left for savings so feeling not terrible about that (assuming debts/assets are split).
3. Documenting, yes I'm stepping it up. We have security cameras in the house so I'm starting to download footage as saving that as relevant. Also recording as much as possible. A watch would be funny, she knows I don't like wearing watches and stopped even wearing a new apple watch last year. It would look fishy I think if I started wearing one but I do keep my 2nd phone on voice record pretty much all the time now. I've also taken photos and videos around the house of all the items in the home, including jewelry, etc.
4. I do want to call the DV hotline. I don't know why but it's a scary step and feels silly being a man. But I know it's not. I was considering calling them before contacting lawyers wondering if they may have an idea of services and if those may even provide lawyer recommendations.
5. No drinking, not even tempted right now. And for sure not around her.
6. Conversations can be hard, sometimes they feel very surface level since a lot of anything might trigger her. I haven't 100% given up and am trying to make things pleasant, fun. Still taking her out on dates, etc. She is going to therapy and trying a psych. Maybe it's still a little hopium but I will put forth effort if she is really making changes. But it won't stop me from preparing for the worst and continuing to implement boundaries to protect myself.
I am to the point where I 100% know her dysregulations are indeed a her problem, not a me problem. I have to keep reminding myself that but I know it's true. (but it grinds me bad that she's telling others lies and exaggerations and definitely not telling the truth about the facts of her behavior - and that she believes much of it!). I've realized that there's no excuse for abusive behavior which is what she tried to justify herself tome with (well I did x so of course she was screaming, I "made" her feel xyz so that's just how she talks). I've listened to so many hours of audio, read so many journals and others have witnessed our interactions and while I haven't been the perfect husband I've never certainly never been abusive. I've been far too tolerant for too long while she's created an environment of hostility for me and our kids. And not to say she's always like that. If she was I guess it would be much easier to exit. Much of the time she can be fun, outgoing, sexy, a good conversationalist and exhibit a lot of good qualities.