How to deal with a wife like this?

She has taken to living separately. Says the bed is too small for all of us. So she lives in the spare room with ensuite bathroom. I stay in our original bedroom with my son co sleeping.

We recently cleaned out the balcony and she decided to take it over as her own private study space too after I told her I wanted to set it up as a workspace.

She refuses to help with paying for the car she drives. We used to share the one car until recently. But she uses a tax loophole to claim the car expenses to herself.

Also, she announced recently that she had reserved a property in my name using her own money and cancelled it. 3k was to be refunded to my account. I wanted to use that money to service and register the car that she is driving now. She demanded the money back and said go work for the money to pay the car fees and that she lost all face to have a husband that cannot afford to run his wife's car...

Meanwhile I pay all of the costs and have no savings but she sits on 60k in her bank account.

My father says I'll lose my son and lose everything if I get divorced from her. Especially at my age of 37 I'll never get ahead in my life ever again. I don't agree. How much more bs do I have to put up with? Continue to live separately?

Tonight I asked her for a towel as I forgot one and she refused and said she needs to teach me a lesson not to forget one. But for years she asked me to fetch her towels...I have just been completely taken advantage of...