She is a credentialed professional, capable of making at least $80k annually if she went back to work now and more if she is able to excel (which she did when she was working right out of college). .. I feel like she is kind of withering away, but she does seem very happy not working.
HK1970, this is so clearly about YOU and not your wife. You've put a price tag on her, assessed her value and "capability" in dollar terms, and it sounds like you have hopes for future, enhanced, 'production line' value ("more if she is able to excel"). Sounds like you are investing in a racehorse or a stock. "But she seems happy" seems like a secondary concern. IF you can get beyond looking at the benjamins (maybe you won't be able to) then take some time off work and spend it with your wife and family. Sounds like you need a break. Figure out WHY you married this woman and whether SHE (not her salary or lack thereof) makes you happy and whether you want her in your life. Then reset.
I won't go into all the ways that the "fake divorce" is a complete non-starter. The posters above have done a brilliant job. Do not pass GO, do not collect $200.
It's sick to even go into the numbers, but since that's where you're at.. what is a decent even part-time housekeeper gonna run 'ya? $10-15k p.a.? An "executive housekeeper" with expanded chores and responsibilities? Double that. GP0S3Y: If you look behind the $100+k "housewife" value, you'll see the numbers go up based on 'perqs' like "sex worker", massage therapist, taxi service, nurse, cook, personal coach/psychologist.. and so forth. I feel bad this woman is doing all this for you (I assume) and you are already plotting how to divvy up the spoils so that WHEN you "actually" divorce, you will come out "on top".. or at least less badly-off. This is not the attitude of a "loving" husband.
If I were your wife and knew this is how you were thinking, I would be sooo outta there, despite any hardships I'd have to endure. Contrary to your assessments women end up worse-off financially than their ex-husbands in most divorces (esp. those with custody of kids; unless the kids can look after themselves all afternoon, there just aren't the same professional opportunities for part-time work vs. full-time, for example), despite how it may look to you now on paper. That seems to occupy significant space in your mind. I consider that troubling, and it is a "tarlo" (woodworm) that is going to keep eating at your brain until you get a handle on it (or just divorce her now and get it over with).
Maybe GP0S3Y is right and this marriage is already over and done with. But not necessarily because your wife isn't a "team player"... maybe she is and maybe she isn't. There's already one confirmed "non-team-player"; your post shows that loud and clear. That you are going to online calculators to put a price tag on what having "loved" this woman MAY cost you is frightening. Figure out why you are looking at your marriage as a financial enterprise only with "winners" and "losers"..
figure out why you are putting emotional value and the value of your integral family unit in second place, and you may have hope. Good luck!
P.S. to all the guys responding above (well almost all).. you've shared a lot of life wisdom that the OP needs to learn and assimilate. I don't want to say I underestimated y'all.. but I was surprised (in a good way) to see you send the OP to the woodshed so thoroughly and eloquently. A good group here; well done.
P.P.S. I wear the financial "pants" in the family and [-]have[/-] had most of the assets (which I put in joint accounts when we got married). We have gone through periods of him working and me not.. me working and him not.. neither of us working.. and him working part-time. The issue of what dollar amount anyone brings in has NEVER come up. N. E. V. E. R.