I’ve been married 34 years and live in Illinois.  There are no children.  We're both career people.  We have our own Roth IRAs each worth $25K-$30K, and we have a joint Schwab account worth about $40,000.  I also have a 401K with my employer that’s worth about $65,000.  Our health insurance is through my employer.    Since 1992 when we bought our current house, I’ve brought home 75% of our income.  But only because he won’t take “any job,” since he has an image to maintain.  (He’s in politics and everyone thinks he’s independently wealthy, which is untrue.)  Because of his politics, he ran for office several years ago and we ended up in terrible debt.  As a result, we filed for bankruptcy and refinanced the house.  The bankruptcy won’t be off our credit history until 2010.  On the house mortgage, I’m the primary applicant (because he didn’t have a decent job) and he’s the co-applicant.  The only primary loan he has is on his car, which he’s had for about a year (he was able to get a loan because he had a good job at the time, and he was only the co-applicant on the mortgage).  In addition to the mortgage, I also have a loan on my car (for which I’m paying a higher interest than him because of the bankruptcy and being the primary applicant on the mortgage), which will be paid off in October 2009.  Since the bankruptcy, we’ve paid all our bills on time.  But he has a FICO score of 716, and mine is 614.  This is what makes me mad.  I’ve been the breadwinner with the stable employment history, but now I’m the only one suffering for it.    He hasn’t been working since he lost his job last July, and he’s been spending his time helping someone run for local political office.  He did get his real estate license (there were costs for classes and fees that were paid for by his unemployment), but he hasn’t signed up with any broker due to market situation.  I won't go into the emotional side of our relationship.  He wants to move out of town, so I'd have to quit my job and start over, and the salary ranges in this new town are much less than where we're at now.  If he'd go by himself, I'd let him keep the joint Schwab account, and then pay him the difference for the house from an auto accident settlement I have coming.  Or do I have to give him half that as well?  Basically, he's a lazy ass.  And I'm tired of carrying him.  I just need to know my chances on only paying him 25% of the house value.  And can I have him served with papers when he goes for his Saturday morning coffee at a local restaurant (since he doesn't have a job, that's the only place and time I know he regularly goes) to keep him from coming home?