She apparently can't figure this out on her own or she would have. You can't just leave her guessing. She probably thinks everything is fine and if you don't tell her otherwise, she will continue just as she has.
People don't often change on their own without some motivation. If you don't give her that motivation(and I am not talking about a trip to FL or a car)nothing will be any different. You both deserve better than that and so do your kids.
Take the plunge and have the talk. No more let's wait until this date or this happens. Do this now before you walk away.
kat
Me-53(and learning!) S24, S21, D18, D17 Just keep swimming, Just keep swimming. Dory