Well I must have really missed you guys because I'm back twice in one night.  I'm interested in some advice.  What can I do to protect myself from DuH's poor financial skills.  He is now cosigning for a student loan for SD21 because she has a poor credit score.  He had poor credit when he met me and he repaired it with my advice on not being financially stupid.  Now he wants to cosign for a child who #1 didn't graduate high school on time, #2 struggled with junior college for 2 years, #3 started at an expensive vocational school and maybe finished, maybe not??  It's 2020 so hard to say if she finished or not. Now she wants to go to a University so yes that is 3 colleges in 4 years.  He will be cosigning for $100,000 by the time we are done.  WTF.  We have mostly seperate finances.  I own the 2 cars and he is underwater on his car that SD drives, he drives my old car.  He owns the house.  I don't want it.  It has no equity and I could never afford it on my own.  I don't pay in to it so it is not a concern of mine.  I have my own bank accounts and we have a joint checking account.  He also has some money in union accounts called vacation accounts, maybe $5,000ish.  He also had a retirement account and $150,000 in life insurance.  If he dies after cosigning for this, am I responsible for anything?  Does the life insurance go toward his estate or go to me?  What about the retirement account, he has over $200,000 in that...I hope after the stock market crash he still has that much!  I live in Illinois if that helps.  I cant stop him from doing anything, he hasn't even told me yet but BM was supposed to cosign this year because he did last year but she got denied, like mother like daughter, neither one of those idiots could get approved for a student loan so here comes DH to save the day.  He hasn't even told me yet and I believe he is signing tomorrow so I guess it's fuck Chmmy.  I found out by looking on the ipod that is connected to his account and saw the texts between him and BM.  I can't confront him yet because I don't want to lose the ipod as my way of finding out a lot about what goes on in my house is by snooping on the ipod because he is a sneaky little liar and so are his useless kids.

Are there any steps I can take to protect myself?  Maybe a legal seperation?  Financial seperation?  I want to keep his health isurance and stay on his life insurance and be the beneficiary to his retirement account.  Do I sound selfish?  Maybe I do.  We are not getting divorced yet but we also are not staing together forever.  I'm just wondering if I should see a lawyer?  Thanks in advance for any advice/experience you may have.