So for fiction you need to get up to about 80,000 words. As far as chapters, divide them as your story transitions or when the setting changes. It should be long enough to establish the purpose. In my experience, I wrote in chapters so it made it a little easier.

Question: I have my manuscript on my computer – just sitting there at about 48,000 words – which I feel is a little light weight and know it could probably benefit from another few rounds of content and conceptual editing, but my question is: how do I divide my work into chapters?