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No one can advise you to divorce, separate or otherwise. This is the most personal decision you will ever make, other than to get married in the first place.
However, as of 2003, New Jersay added "irreconcilable differences" to the grounds of divorce -- meaning that you don't need grounds, because NJ is a "no-fault" jurisdiction now.
From a financial standpoint, legal separaion is a waste of money. It unnecessarily adds to the cost of a divorce by duplicating effort.