I agree with Sandi as far as protecting you. Nobody here is going to be able to really give financial or legal advice. But what we can say is not to give her too much trust.
As for the no hope thing, who cares what she says? I'm sure that when you got married, she didn't plan on this. Who says it can't go the other way? Either way, it doesn't really matter now, right? It's not like she's coming in the door today to reconcile. So focus inward instead.
