Go speak with a family lawyer. (Pay the lawyer his/her hourly rate for the consult. Avoid the guy who will do it for free, you want as unbiased as possible. Tell the lawyer you won’t be retaining him/her even if you do end up separating).
Is there life after divorce? Yes, of course, but it can be difficult especially if your depressed.
I have 3 kids. Can we survive this financial turmoil? Survive yes, but there are many different levels of subsistence. You will come out the worst, you probably won’t be able to recover the costs given your age. Support payment for three kids is a lot. (Family court garnishment orders cap out at 50% of your pay)
What should I do?
1. Don’t panic
2. Put more effort into your relationship (non-sex) whatever happens it’s a long complicated process. Better to be on good and friendly terms with the spouse, before during and after. Also, be more empathetic remember covid is hard on everyone and the mental impact might not be visible, but it’s there for sure.
3. go see a lawyer get better advice about what’s involved and the costs
good luck