Drs. Moschetta Reply

It is not surprising that the love, sex and affection are turned off in your marriage. Please know that accumulated anger kills love. And right now there is a great deal of anger between you. The mismanagement of money and credit card debt is a specific problem and that has to be addressed with some good financial counseling. But, it has also precipitated a complete marital meltdown.

You say you love your husband and want the marriage but are not sure where he stands. If he feels the same way then there is no point in you being separated. It would be better to be living together while working out your issues. You will need professional help to do this. This is where marriage counseling comes in.

If your husband is not sure what he wants you must give him a realistic deadline by which he has to decide is he in or out of the marriage. Do not do this in an angry way, just emphasize that it’s only fair that you know where you stand.
Drs.M