Having been where you are, please heed the advice from several responders...protect your assets. She has made her decision and I doubt she is going to change her mind. I did not protect mine and lost almost everything. She has joint access to all of your accounts and she will use those assets. Everyone I know that has gone through this has experienced the same. Get a good attorney right now. If she is saying the marriage is over, you need to listen to her. She made that decision months ago and is just now telling you. Good luck.