Wife is having an emotional affair

[T1000]

It's a long road to reconciling. And, btw, don' t ever tell her you will wait for her to decide what she wants....

She has already told me that she has decided to be with him and not me.

That doesn't necessarily stop you from saying it. Now or in the future.

If you moved out could she run up a lot of debt in both your names?

I don't think so, the only things that are in both of our names are the lease and our joint bank account. The bank account doesn't have any credit but she could spend everything in the checking account which would leave me with no cash. I do have a separate account with a CC on it but it's in my name and she doesn't have access unless she takes my card. When we separate I think it would probably be best to move some money from the joint account to my individual account so I can make rent payments, buy food etc. without worrying about her spending everything.

I would suggest that you remove yourself from the joint account in the meantime and also get your name off the lease if you decide to move out.

My W and I have a joint account. I haven't used it for over a year. W has used it a tiny bit. In December she went slightly overdrawn twice, even that effected my credit.
She has already told she has plans to decorate, it could be with OM's money could be with what is left in your checking account.