Let's see. You are still married and that money is considered marital property. I'd talk to your lawyer, but I'd be willing to bet that you will be told the same. A huge fight? Not important. What is important, is your well-being and responsibility. It seems like she is after more than her fair share. Don't discuss anything other than "we will have our lawyers look at it." At this point, that's what is necessary.
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One more thing.... we're due a substantial tax refund. She contributed about 5% of our tax bill, and I paid the rest. I know she's going to want 50% of our refund, which will give her 10 times more than she paid in taxes. How do I avoid this minefield? What have others in our situation done?
You can't. See marital property above. She will get half.
technically, we are legally separated; does that make a difference?
M:23 T:26 Me:53, Wife: 60 S:18 D:16 filed 7/16 W moved out 4/28/17