Does uttering "My wife is divorced" incidentally during a faint, unintentional, imaginary deliberation, without intending to effect a divorce, constitute a divorce, especially given that the speaker regrets it?

If you conditioned your wife's divorce upon her audibly taking money found on the ground, while you were in full possession of your mental faculties, then the divorce does not occur unless the condition is met, which has not happened. Such matters are often mere whispers [from Shaytan], so do not pay attention to them.