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You are completely on the right track.
I think it can help you if you stop to think of the absolute worst outcome from this situation. Imagine yourself sitting on a bench 6 months from now. Where would you least of all want to be?
For many married people the first thing that pops into the mind is that the worst outcome would be divorce.
I want to challenge that. I know of something that I think is immensely worse. I think sitting on a bench six months from now knowing your wife is still having an affair is the worst possible outcome.
REMAINING in infidelity is IMHO the absolute worst possible outcome.
With that in mind I want you to agree on a destination; a goal. That goal is to get out of infidelity.
Imagine a peak way in the distance. That peak is called out of infidelity.
There are two decent roads leading to that peak. The roads are called reconciliation and divorce. For the initial part of the journey these roads run parallel and it’s easy to switch between them. It really doesn’t matter what road you start off on if you go past the relevant milestones and keep moving.
The speed you move at is within your control. Go too fast and there is a risk of crashing. Go too slow and there is a risk of getting stuck in the mire and mud. Best thing to do is pick a route, get a steady pace and make sure you are on the correct path as you move along.
Your wife? Well… If you chose R you would prefer she come along. You can’t force her, but with your actions you can make going along with you an attractive option. But if she decides to stay put… so be it. Imagine your marriage like a rubber-band and you both stand within its boundaries. She stands still while you go in your direction. The pressure might make her follow – but the pressure might break the band. If it does, then YOU KNOW. You know you don’t have two paths out of infidelity. To reconcile it needs both of you and if she’s not moving with you… well… you only have that single path left.
Even if you want to R then your first actions should be to learn of divorce. What would D look like for you? What is the cost? What are your options? Get good legal advice on how to do divorce. You need that advice anyways to clarify the insurance issue.
Then tell your wife this:
You are free to be with OM. You can go to him, have sex with him, walk around town with him. BUT NOT AS MY WIFE.
If you want to be my wife you need to commit to the marriage and to reconciliation. Me I’m moving on out of infidelity. There is a loophole for you to join me, but I am moving out of infidelity with or without you.
Until and unless you clearly tell me in a clear verbal way that you are committing to the marriage and my terms I am simply assuming you have decided to remain in infidelity and thereby not being my wife. I am therefore initiating the process of terminating our marriage.
And then you walk away and make yourself a sandwich or whatever.
She tells you it’s all your fault:
I am sorry you feel that way. If we were working on the marriage we could address that issue, but since you have elected to carry on in infidelity there is no need to go there.
She asks about divorce:
I am too emotionally attached to this marriage. I have therefore asked my attorney to address all aspects of a divorce. I asked he ensure it’s a fair settlement.
Then start detaching and moving on.
Talk openly about the affair. Expose it, always letting people know whom she’s having an affair with.
The friends that knew? If you encounter them then let them know that you think they are despicable people for encouraging your wife in her infidelity.
Get the affair in the open and make it very hard for your wife to remain where she is.
Do this and I am certain you will reach your destination – either through divorce or reconciliation – in a reasonable time and in reasonable shape.