My wife and I have been married for over 5 years, together nearly 10. Things were never perfect, but then again what relationship is?

Anyway, recently finances have been worse and a near scare freaked my wife out. She says she can no longer live like this and is thinking about separating. Since then, my life seems in ruin. I work two jobs already to support both her and our toddler. She talks to her friends back home on a constant basis and rarely talks to me. Just yesterday she tells me that she has come to the realization that her heart may not have been completely in it when we got married. She blames herself for that. She has already started researching joint custody and legal separation/divorce laws in our area.
She has reluctantly agreed to see a marriage counselor with me.
She feels I am not taking enough initiative and that I am more of a second child to her lately, rather than a partner. I am not perfect and never try to be. But, I am not abusive, I have taken care of her when she has been very sick, and through a few major operations, and I always help out when I can.
I DO NOT want to separate. I love her with all my heart and my child is my world.
I know she chats with her friends and even an ex online. She feels I am trying to spy on her a lot, when all I want to do is talk to her.
I do not want to give up. This is worth fighting for. I just hope that in time she will see that too. Anyone ever been in the same boat?