I think it makes things a little easier since there are no children. You can focus on and consider what's best for you. Consider the pros and cons of dissolving the marriage. Since there isn't a great deal of history together and there have been problems even from early on (i.e. money, affair)... I would think there's a lot less to keep you together. Maybe you'd both be better off getting a legal separation or divorce, living separtely and being friends (so finances aren't an issue and his debt isn't effecting your life so much). If you enjoy each other's company you could even still get together and see each other.
... or go separate ways if there's not a strong connection.
There is no arriving, ever. It is all a continual becoming.
