In regard to your post about trying to fix it... there is nothing wrong with trying. But you should plan for the worst in case it doesn't work, which is likely. I fear you are setting yourself up for prolonged pain and suffering. I hope I am wrong. But with someone who has anxiety/depression already, that can be used against you by your wife. After 16 years each of you know the other and what buttons they can hit. To me it sounds like you more want to try to save it because you are scared of the unknown that comes with divorce and becoming single again at this stage in life. Yes that is scary. Unfortunately all paths have plus and minus. Only you can decide, but when you make your decision, way out all the possible scenarios and do what you feel works best for you. As far as money, that should never be the primary driver behind staying in a marriage. Money comes and goes. I once was on another social forum (nothing to do with mongering) where guys were talking about their divorce. One member claimed he was very wealthy with his own business and a multi million dollar bank account, and in his divorce his wife somehow got almost everything. I don't remember all the details, but the part I want to share that I thought was relevant was this guy posted a year later after the dust settled. The jist of his post was it was rough, he lost almost everything, but he was now the happiest he has ever been in his adult life, and the cost was completely worth it to him. As he put it "Best money I ever spent". Sometimes when you are clinging to straw you feel like your life will be over if things fall apart. But if fear/depression is all that keeps you in your marriage it is bound to fail. If you really believe you two can fix the situation and live happily ever after I wish you the best. I just hope you protect yourself and do some legwork now in case you have to pivot quickly, to protect yourself as best as possible. Again, I wish you good luck, and a good future.
jim