Dear Annie: The past four years of my marriage have been difficult. My husband and I have made many poor financial decisions, and we also have intimacy issues.
I’m an artist. When our kids were young, I chose to do freelance work so I could stay at home. My husband has a steady job with a 9-to-5 workday. On the side, he is a talented musician and gets low-paying gigs a few times a year.