Do not make any major decisions right now, but you can't sit on things.
1) DO NOT HAVE ANY MORE DISCUSSIONS WITH HER.
2) Part of your plan should include:
I would claim you have not separated. You both live in the same house correct? The day she moves out is the date of separation.
The cash she saved up can go on her half of the balance sheet. (or you can claim part of it). Do some research in the "Real Value" of things. $100K equity in a house does not equal $100K in cash. There are TAX issues as well. DANF is no longer posting here, but he was wise in the financial area.
"What is best for my kids is best for me" Amor Fati Link to quotes: https://www.divorcebusting.com/forums/ubbthreads.php?ubb=showflat&Number=2879712