I have been in the same boat except I am a guy. She says she is physically attracted to me yet never initiates and basically lays down, takes her under ware off, and let’s me have sex with her. We have been married for 21 years. The last ten have been miserable because of this and I can say one thing for sure- staying because of finances only will cost you more money over the long term. I spent tens of thousands of dollars on counseling to no avail, moved to be closer to her family (1/2 million) and bought her a business as the kids are starting to graduate and leave. All I want is a wife who outwardly shows attraction and occasionally spices things up so it isn’t a sexual Groundhog Day every day. Some people have tried to normalize an affair, that’s a slippery slope as what you get is the newness of falling in love- everything is sparkling. I even went to a strip club and asked a few girls if they would be up for offering her tips on how to arouse a man. And before I get bashed, I have been to more than 10 years of therapy (individual, couples, and sex) only to basically have her not do her work