As a senior citizen on limited income, how can I afford a quality NJ lawyer for separation/divorce?

The fact that your wife has decided she wants a divorce, does not mean that she has the right to tell you / require you to move out of the marital home. It is your home as much as it is her home and most people going through a divorce share their home during the divorce process because they simply cannot afford to maintain 2 homes. My suggestion is to politely talk with your wife and tell her that if she wishes to proceed with a divorce, it is her choice but that she has no right to require you to move out. BUT, you need to make sure that you are not engaging in behavior to give her the right to obtain a domestic violence restraining order against you..... and before you tell me that you have not nor would not physically strike your wife, 92.5% of all domestic violence complaints are based on harassment claims and not physical violence, meanign yelling at her, cursing at her, or berating her. If you engage in any of that type of behavior ( regardless of how you may have spoken with your wife in the past), she will have the right to call the police and ask them to remove you based on the domestic violence laws and then your life will become unnecessarily more complicated and you will be out of the house and during the divorce, you will be forced to live elsewhere.