Well went to see the therapist today. It is a new therapist (husband of my old therapist) but his prices are affordable. We went over my history and discussed my wife a bit. He seemed actually surprised that I hadn't divorced her already. Overall a good first appointment and we made another on for next week.
Did a few more errands and got home for lunch at the same time my wife did. Since the kids aren't home, I decided to broach the legal aspects of the separation. Actually a very good conversation that my wife actually thanked me for and appreciated that I accepted that it was what she wants.
She did state she is confused because we are her family, but she wants her own space.
That she feels for me like a brother and not a lover. That she has felt that way for 2 years (hmmm....affair started approximately then...cause and affect maybe)
That I would initially have main custody of the kids (every other weekend with her)
That right now the financial aspect is holding us back from doing it.