Our expert says:
C9omfort sort from anyone else ( other than a counsellor ) won't being any comfort and will only make things still worse. See a counsellor, and see if you can persuade her to join in marriage counselling. It sounds as though she really does need a proper assessment and treatment, and it is tragic that this can be very obvious to everyone who care about her, and invisible to her.
And as Delene's example reminds us, it is possible to make plans that don't need large amounts of money.
Also, you are wrong about divorce--- many men have indeed gained custody, and it has become even easier to achieve more recently. And your wife's instability would count heavily against her in such a decision, which the court has to make in terms of th best interests of the child.
Bipolar disorder is chemically generated, and not ever caused by any specific event.
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