If you want to divorce you must live apart (not in the same house…it doesnt matter if it is the crawlspace)You must have 2 different residences, there is NO way around it.
What would you do if you could get a divorce tomorrow? Would you 2 still live together? You can act as if you arent married at all: split the assets, debt, draw up seperation terms/papers, move on with your own lives…etc. You can not remarry or have sexual relations with someone else legally. If you want to seperate why would you want to share bank accounts, or live under the same roof? Maye you and/or her should move in with relatives until you become financially stable enough to live on your own.