Affair discovered

[STH17]

I guess I'm wanting to say something like this:

"I hear you telling me you want a divorce, and I think that means we can't keep sharing our finances the way we have been doing. I think we both deserve an equal amount of spending money, and I'm not willing to take on any more debt right now."

OR:

"I hear you telling me you want a divorce, how do you think that should affect our current financial arrangements?" If she says she thinks she should still be able to continue what she has been doing, I can disagree with her but still don't know what I would say exactly, besides something like the end of my first scenario.