We spoke and I told her that 'the advice that I have been given is to separate our finances and I have already done so.'
She just said 'oh, I hadn't thought about doing that'. She stayed very calm and said that she didn't think it was necessary.
I suspect that the specifics of it haven't hit her yet. Does she know you're no longer going to pay for her cellphone? It's very typical for a walkaway or wayward spouse to not have given hardly ANY thought as to the financial and/or legal ramifications of their leaving. I mean like SCARY levels of naivete. I'm guessing this will still hit her, and she will be livid, but sometimes they're not.