I've told my husband 15-20 times over the last few years that I'd be happy to get divorced. I want a simple arbitration where you sit down amicably, divide the assets, and pay a few $100 filing fee.

My husband says no way in hell. If I want a divorce I'll have to haul through court, do the whole screaming fighting acrimonious lawyer thing. I have two girlfriends who did this and lost their homes and just about everything else. Lawyers got over half their assets.

I don't want to go through all that and lose my home. Way too much stress. So I live with someone whom I don't love, and get on with my life.