How about their is no FIXING your marriage or your wife. Only you can fix yourself.
Let go and DB. It might seem grim right now as I can relate to the money aspects, I was 55 when I washed up here too, and retirement looked bleak then too. Still does 10 years later but I know that I will be OK and I am on the path to recovery.
LOVE your children and grandchildren. They are the GIFT to you.
So simple written, thank you Cadet. ^^^^^^^^This is it T.