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Just Found Out My Wife Stole $94K from our Retirement Account

I found out today my wife of 12 yrs has stolen over the last 2 yrs $94,000 dollars from our retirement account by selling stock and direct depositing it into a secret checking account I found. We both work and make decent money. In fact, she makes a little more than me which is great. The account is almost empty now. I'm not a stickler with $. Would I ask what large expenditures were at times yes and did we have occasional arguments about it? Yes. Our retirement plans or college education plans for our 4, 7 and 10 yr old have been severely affected. My trust is gone. I am so sad right now. The betrayal I am feeling is suffocating.

She can't explain what she did with the money. Just saying she used it on the kids and expenses. It is way too much money and I do the bills and pay the credit cards. Those normal expenses I've seen over years did not go down. I can't fathom where so much $ went over 2 yrs. I don't think she is cheating on me. I don't think she has a drug addiction. It is all so hurtful. I don't know where we go from here. I have lost all trust. It's like I was living with another person all these yrs.

Anyone have advise? Thoughts? Anyone been through something like this?

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