if she's afraid of it and putting it off then that implies that she knows that she's wrong on some level. if you live near one, have you tried the local universities? my dad and his girlfriend go to couples counseling, and her to additional personally counseling, at the college for a reduced rate since it's students not fully licensed psychs.. obviously the students are monitored.. either way an unstoppable force and an immovable object can't coexist, personally I would protect myself and my assets as best as I could in writing. unless you can get her to compromise, or chose to compromise yourself.

I've been a few times to the U of Memphis, and the rates were favorable - but the trade off was i spent enough on gas to get there that I didn't save anything.

However, I liked having a reason to go up there so I didn't point that out.

We can see a local for as little as $40 a session - up there it was $18 plus it took over $20 in gas to go there and back.

the thing is, she hates going into Memphis and will pretty much only do so if it's to visit someone in the hospital (or the funeral home)

So the local option would be a much easier "sell"