DEAR ABBY: I have been married 40 years, and it's just the two of us. I work full time and make a good living. We have a large house in a great neighborhood.

My problem is my wife. She hasn't worked throughout almost all of our marriage and has to be the laziest person I know. We haven't slept in the same bed for 20 years. She weighs 300 pounds and is always going to diet, but never really does.

She sleeps in her own bedroom with a huge walk-in closet piled up to the top shelf with nice items she refuses to put away. She also has a separate bathroom and living room.

Her section of the house is a pigsty. It stinks to high heaven because she never gets around to cleaning it. The kitchen is worse. She never cooks a meal. Either I do it after cleaning up, or I live off TV dinners.

When it comes to our finances, we're up to our eyeballs in debt. She spends money like it grows on trees. If I ask a simple question, her replies are mean and sarcastic. I would have gotten a divorce a long time ago if I could afford one.

I'm a reasonably good-looking guy. I could have had an affair ages ago, but I wasn't brought up that way. Don't bother saying she should get counseling. According to her, she has no problems.

I am so tired of living the way I do, I could just cry if I thought it would do any good. What do you think? -- BUMMED OUT IN SAN DIEGO