I read through some of the replies here but there were so many i couldn't read them all so I just wanna add my 2 cents. I have struggled with sexual issues at times but most of my problems stem from insecureties and apparently she doesn't have to much to be insecure about. Did you guys ever think that maybe just maybe he doesn't do it for her anymore. Please don't bash me but i had this problem in a past relationship. It is very stressful when you are so excited to make love to your man and the moment is right and BAM its over and your left with no satisfaction. Maybe "JOE" has offered to "finish her off" but to be honest that is not the same as making love to your man begining to end. Sharing an amazing orgasm together is much better then him saying im sorry but im done already you want me to get you off. I know you guys get where i'm going with this. So instead of setting herself up for failure its easier to do the job herself. And ok maybe she didn't mention that to you but she knows how close you are to "JOE" would she really emberess her husband the man she loves by telling you that very intimate detail. Think about that a lil before you keep judging her. There are 3 sides to every story: person 1, person 2 and the truth.
