Seaken
You have powerful motives for staying with your wife, and they're all financial reasons. I think one of the things you must address is how much sunshine you're pumping up your own pants.
What comes across is that if it weren't for your financial bind, you'd leave your wife in a heartbeat. So in essence you're staying in a hopless marriage for money. Isn't that kinda the bottom line?
Ask yourself what you would do if money weren't an issue? Would you stay in an intellectually and emotionally stultifying relationship?
How's your courage and your daring-do index? How 'bout make a clean break from it ALL, and move to, say, Talkeetna, Alaska with all the money you can scrape together and start out life as a new adventure? Did that make the breath catch in your throat? Make a little hot knot in your heart? Yes? OK, here's what to do. Go and read, or re-read, Thoreau's "Walden" and then go for it.
How would you like to be in this same spot you're in when you're seventy years old, and it's too late, and you WISH you'd done exactly what I've suggested here? Living a life full of regret is no way to live. GO FOR IT while you still can. There's another woman just waiting on you, bud, and she's got money, too. Or, she doesn't care a whit for it and the two of you will live off the land and be happier than a pig in shit, um, ...than two bugs in a rug.
Francois