First of all, I agree with Rulk. Do as he says
First of all, you rewarded your wife with a vacation for her cheating on you.
It is my opinion that this is one of those 'The kids are out of the house, let me play around' type of affairs. Almost like getting used as long as you were viable. Poster Graywolf has a great post she shares from time to time. In it he says perhaps you should get a divorce and then keep your wife around while you BE the other man in other words, stop being her bedrock for emotional and financial support while she gives the other guy sex for free. Why shouldn't you be the recipient of a stress free life and a FWB situation ? How would she react to that ? I am sure not well.
Some passing thoughts AND I KNOW IT SOUNDS HARSH OR EASY FOR ME TO SAY but I advise based on how I feel, I don't advise based on an effort 'not to offend'
1) I support Rulk's thoughts completely. Rather than looking forward to your golden years with her, she is abusing you. No sense keeping her around any more. Kids are out of the house, an amicable divorce can be attainable.
2)Keep your head up high. You aren't the one who blew up 23 years, she did.
3) She has rewarded your hard work by cheating on you. Unacceptable.
4) 15 months of lies which means her affair started when your kid was in high school. This is recklessness.
5)She is accusing you of spying on her yet she doesn't give you any reason to trust her because her ethical and moral compass has gone to shit. I hope you put her in her place over this
6) She 'admitted she didn't think you loved her anymore which is often times a cheater scripted line. However, instead of sitting down and talking to you and working on things, she because a double adultress, first cheating on you, then being an affair partner in the other marriage.Your wife's lack of moral compass shows she's not marriage material anymore.
7) This is the reason people say a cheater has to leave the job when having an affair with a co-worker. Because the affair doesn't stop and she completely lied about no contact.
8) the cruise was a horrible idea. She used you on that one or feels that somehow she can still be a good wife while cheating. This is another cheater handbook script. As long as she is having an affair, she is a horrible wife.
9)_ You said this "The day we got back, she was right back with this guy and spending lots of time with him. She gets very defensive when we talk and I say things like "what have you been up to today?" and can't give me a straight answer." This tells me the affair is in your face which is an unlivable situation.
10) Thank God she has this coworker with morals and standards who is willing to step to the plate and expose the affair to you. That is such a rarity, treat it as a gifthorse.
11) So this scumbag has two young kids ? I hate this guy even more now.
12) Your wife claims she's using you as an ATM. Stop allowing this to happen. She wants to use you for your finances while screwing around on you and screwing another man behind the other betrayed spouse's back while she is raising their kids. Your wife has lost her mind if she somehow believes she can make you believe that this situation is acceptable to you. She may try to talk you into an 'open marriage' which is a disgusting practice first of all and secondly is easy for someone to propose if they already have someone lined up. Of course that ends when they break up and you still have someone. DO NOT FAll for this bullshit.
So here is what I would do
1) Seek out a very good, bulldog attorney and file fro divorce. I would even consider having her served at work
2) YOU DO NOT LEAVE the house. She chose to leave, try to force her out. If she refuses and starts to get squirrelish, then I would wear a VAR on you in order to protect yourself against false DV charges. If need be, at least move her out of the bedroom while the divorce proceedings continue.
3) Separate your accounts. Stop being her ATM machine and don't contribute a single cent to this affair.
4) EXPOSE to the other man's wife. Blow it up. I am sure that she may kick him out or divorce him and he will be paying massive child support. Cool. I am one of the few who believes that exposure should be about revenge too. Yes, most here says it is to stop the affair. But if you get punched in the face and your jaw is broken, is it enough to just for the beatdown to stop or are you going to hit back and/or file charges ? It may allow them to see that there is pain associated with such lewd behavior and they will stop victimizing other people. If a product of the exposure is that he gets kicked out of his house, he may be pining for your wife more. So be it, she chose him already. Let her share in his misery while you sail off into the sunset on a more productive life. If he drops her like a hotcake in order to save his marriage, then you hold all the cards. Such a shit sandwich late in life would probably provoke me to end the marriage regardless of what this other man does. So at the very least, you expose them and flush out their intentions. At the most, you cause carnage and while they dig themselves out of it, you divorce on your own terms and win.
5) I would make four copies of the evidence. One to your attorney, one in your control and one in a safe place and off campus (a neutral location) and a fourth to the other man's wife.
6) I may tell your kids. I know this is hard for people to accept. You must be prepared as your kids may be convinced by her when you file for divorce that you are the bad guy. It has happened so many times on this board.
7) I would seek peer support from your work and friends and other family.
8) If things get incredibly nasty, you always have the option of exposing them at work. Whatever you do, do not show either one of them any compassion. They are not worthy of it.
I know some may attack my thoughts but these two have decided to ambush you and ruin you late in life. They should not be spared any further consideration