You are going to feel the "pain" financially. After 28 years you are going to give her "half" of everything. If you have land then it is going to be appraised at current value. I am willing to bet that the current half will be a lot higher than what you gave for it. Any retirement you have earned is going to be split too.
I would not divorce her unless you are thinking of a replacement. This does not mean you need to keep living with her. Also maybe you need to have a talk with this "new friend. One of my boys was having this type of issue. I went and had a long talk with the poacher/friend/cheater. He suddenly found out that he was not as interested as he thought he was.
You need to start splitting things up RIGHT NOW. go move half your money into a separate account. If you don't she can go clean it out and it is almost impossible to get a court to make her give it up. Change the beneficiary on any insurance policies you have.
If you have a good friend/brother that you can trust. Sell him everything you can. The longer before the big "D" the lower the price you can get away with. Brother's wife decided to up date lovers. HE sold me all of his equipment for ten cents on the dollar. The farm he had a mortgage that left little equity.
Don't sleep with her any more. If she is being physical with the new friend you then will be sharing all of HIS diseases. Many of the new STDs are not curable. Even the low threat stuff like herpes is forever.
Lastly. I would not want a women that wants someone else. I watched my Father cheat on my mother for years. I could not do anything then about it. It did cause me to lose all respect for him. You may have noticed that I talk about my Grand fathers but rarely my father. He lives just across the road but I rarely have much to do with him. Loyalty is a big thing to me and one you lose that it is gone forever. So I would never trust your wife again. The excuse of "going through the change of life" is just an excuse. I don't remember there being an exception clause in my marriage vow's to allow "close friends". Like the others have stated on here, she would look at YOU having a good looking young thing for a "close friend" a whole lot different than what she is wanting you to do.
I would start splitting thing RIGHT NOW not tomorrow. I would never share the money from now on. She has shown she can't be trusted. Protect your self.
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