Quit talking about all the points you have soon the ex wives will want half our points!!!! LOl, sorry about the divorce been there done that buddy.I got the big D back in 2015 after 15 years of marriage. We both saw it coming, it was just a matter of who was going to blink first.
House went to her: $480,000.00
Monthly support: $3000.00
Her share of my 401k: $240,000.00
I see on forums "I don't understand guys that just buy preference points." I'm the reason guys just buy points. Had a bunch prior to divorce but can't afford to go now.
My advice is to see if your wife will go to a mediator. You can get a divorce fairly reasonably if you guys can come to an agreement. The only folks that "win" a divorce proceeding with a judge are the lawyers. With 21 years of marriage, expect to lose half of your assets.