Hi Jeff Thinking of you. Not sure what you are feeling and what you're goal is... which direction do you want this to be heading?
I might be way off base... but I think a break from her would be really helpful. Is there any way you can go away for a week and do something fun? I know there will be a million reasons why you cant.... but if you really are going to separate physically then maybe it would be helpful for you both to have a taste of what that means??
I think you sound detached, but maybe its more numb? It does sound like you handled the conversation calmly. Did you compliment her? I hope that you thanked her for sharing her feelings and initiating a conversation?? (Its so tough to appreciate crumbs I know)
The financial thing will work itself out whatever decision you make. No-one ever has enough money, married, separated or divorced!