What W texted you was eerily familiar...I kinda had a PTSD flashback for a minute...
But yeah, if the finances are at risk, you have to do what you have to do for the kids and yourself. Does your state have "financial separation" as a non-D choice?
What I did was setup my own individual bank account and from there I distributed funds to the joint account, which was what W had to work with, since at the time she was SAHM.
At the very least, you may want to do something like that, along those lines, so you can preserve the family finances, and let W fund herself, herself. She is already out of the house, so let her live her choice, imo. The KIDS and YOU is your prime directive at the moment, and foreseeable future.
Be sure to check out your plans/ideas with a L, don't want any negative precedent like abandonment, etc should it come down to D...
Seems like she is running hard atm, and I noticed with my W that she cycled through various phases, modes, stages and impulses, each "spin cycle" seemed to take her a step forward, though it "appeared" she was taking a step back....
If you file for separation, you don't "need" to move onto someone else "too much" right away...right? I wouldn't myself, I figure there is too much "me" to explore and learn about, heck redoing the house would be a months long project at the least......just sayin'
Hang in there my friend, but do the needful for the kids and you...
T^2
In the depths of winter, I finally learned that within me there lay an invincible summer. - Albert Camus
Uncertainty is the very condition which impels people to unfold their powers.-Eric Fromm