We have all but sidelined any extra curricular activities involving others for more than two years now. D started a new job and confided in some new people in her life, which somehow led to reflection on the years prior with a "what am I doing?" disposition. Certainly not my perspective, but for some time now when memories of our adventures come up she rounds things out with a "never again", or "wish I never did that" comment. I still have not determined exactly what caused this change, but my job is to keep things flowing without turmoil so I had just accepted that is the new course of our 30 year relationship. I say appreciate what you've got at all times, never dwell on what you think is missing - even with menopause one year in the rear view she still loves sex, still masturbates quite regularly, and looks & dresses as sexy as ever. Just yesterday was a mid-thigh jean skirt (no panties) and a lace top silk cami (no bra) that barely covers the nipples for shopping and running errands on a Sunday.
So...
We have taken a few warm weather trips in the past few years now that we are financially stable and have our work gigs where we want them. Warm weather/tropical escapes will always put her in a good mood, and comparing the amount of vacation sex to daily home life interaction it is safe to say being near the equator makes her horny. (The balcony story from Aruba 18 months ago was a perfect example of this).
A few days ago we returned from a 6 night all inclusive adults only stay in Cancun, our first trip since Aruba. Just a normal no kids all inclusive, not in any way a swinger or seductive setting. We had a swim-out room with a private patio that shares a nice private pool the length of the building with about 14 other suites. Mexico is tough on no smoking. She picked up cigarettes recently and I have enjoy cigars on vacation, so upon arrival we asked our adjacent neighbors if they minded. There were no objections and our next-door neighbor couple in their 50's, he is a smoker. We all found ourselves outside on our respective patios for the first few nights chatting and enjoying the outdoors sometimes until well after midnight. Turns out their stay started the same day as ours, but they were leaving a day earlier. They were a little more reserved and quiet & a less social than us, they were not drinkers and did not enjoy "edibles" like D and I. As the week progressed our neighbor's wife spent more and more time in the room watching TV and sleeping. She spent barely an hour or two at the pools each day, and on the last two nights of their stay she had headaches and was described as tired. Our neighbor loved chatting with D every time they crossed paths having a cigarette on our adjacent patios. There was a concrete divider portion, then some wood lattice, then a space where you could walk between patios. He was always very respectful, not at all intrusive, and would usually remain on his side to converse unless either of us were in the pool. He definitely took a shine to D, asking where she was when I was outside alone or asking if she was going to swim. I think he really liked innocently seeing her in a bikini.
On our second-to-last night (their final night) we really had a lot to drink after dinner, went to the nightly show, and D had been eating twice the number of edibles she may ordinarily have. We got back to the room around 10:30pm and he was outside smoking when I stepped in to the pool. Again our neighbor was chatting with D who had slipped into a tight fitting black cotton dress to hang out on the patio. i could tell he liked the sight of her in this dress, she had no panties or bra on and her nipples poked through ever so slightly. He sort of made a presence between the two patios to maintain eye contact with D while they smoked, I was right there in the pool. he said "Ok, I am headed in, see you later" and went into his room. D went in to our room a minute later to get another beer, and while she was in there our neighbor came out in his swim trunks and walked into the pool. I was a little surprised to see him after his exit, he said his wife was asleep with a headache so he thought he would take a swim. He asked respectfully but with clear interest if D was going to swim with us. A minute later D opened the door and I told her to put on a suit and join us, which she did. When she came outside in a bikini she was a little slow getting acclimated to the water, and our neighbor asked if we wanted to walk to the hot tub, less than 100 yards away on the edge of the property. It would be warmer and he was meaning to check it out but had not done so and this was his last night here. We all agreed and the three of us walked there. He and I in swim trunks, D in a bikini wrapped in a white hotel terrycloth robe. She brought her cigarettes in a clutch, I added our room key and a 420 vape pen with a couple of beers.
This hot tub was very large, probably close to 25' in diameter. It was all concrete, only about 3 feet deep, with a concrete bench around the sides which was only about 12" below the surface. Our neighbor turned on the jets and for the next 10 minutes we all floated around, laughed and talked, and sat on some jets. We were the only three in the tub, and anywhere in sight for that matter. D very quickly finished a beer, I pulled off the vape and walked across the Jacuzzi to "shotgun" the hit to D which she readily enjoyed. She was very relaxed sitting on some jets on the bench, I was facing her and our neighbor was 6 feet off to the side minding his own business just staring at the stars enjoying the steam and bubbles. I began to play with her bikini under the water, then reached in with a finger, then entered with two. Slowly working her G spot for no more than 30 seconds her legs began to spread wider and wider apart. I asked her if she liked this and got a nod and M-Hmm. She looked over and actually asked me who that was sitting 6 feet to the side. I said "It is our neighbor, remember?" "Oh yeah, I was so into the moment I forgot where I was!" she said. She was clearly in a rather aloof state and a great place when I leaned forward and asked "Would you like to be fingered by both of us at the same time?". She looked at me with a smile and said "Really?" then with a sly smirk and an I-guess-so shrug she said "sure".
None of us had discussed anything of the sort, and never even had a remotely suggestive conversation all week. Our neighbor was sitting 6 feet away, and giving us our respectful space not even looking over at what was going on. I know he could not have heard anything we said, but likely thought something may be going on underwater by how we were sitting. I thought for a minute, and fingered her for another 15 seconds, then slid off her bikini bottoms with no resistance (maybe even a little assistance from D). I held them up in the air and said to our neighbor "Look what I found!" He replied with an emphatic "Wow, what a lucky find!" I laughed and whispered in D's ear, "Maybe you should slide over a little and see if you can find his cock". She needed no more encouragement than that, and slid right up next to him.
I was a little surprised with what happened next

I expected the three of us to sit together, he and I making a "D sandwich" and have a little fun. See where things go. D decided to straddle him and reached for the tie on his swimsuit. She pulled a little and felt around as he was working his trunks down a little bit but not off. D grabbed his cock, sat on it and started fucking him right then and there. In a few seconds he was in her completely, holding her waist while she put her hands on his shoulders and rode him like a bronco. I was right there next to them, I rubbed her back, told her she was a good girl, gave her a kiss or two, and even reached down touching her sphincter and with a finger verified his dick was way up in her pussy. She continued to ride for about 60 seconds, the two of them groaning and moaning pretty well. I don't know exactly what triggered the dismount, but when she hopped off she moved a few feet to the side and washed her pussy out in the jets. We don't know if he came in her or not, but the whole thing was way too spontaneous (and under water) to use any protection. it just happened, just like that. And in another couple minutes we were all floating/wading about on our knees moving around the tub like nothing happened. he grabbed a cigarette, I lit one for D and brought it into the tub. D was still bottomless, and when I handed her the smoke I put her on my lap and made an attempt to fuck her myself, but I was not quite there at the moment and the lubrication was lacking. No worries, I knew I would have my time later for sure. Then D asked me "Did you guys plan this? You must have worked this out all along." I replied "No way, this was entirely 100% spontaneous. Lets ask". We drifted over to him, D on my lap straddling me and I said "She wants to know if we planned this, did we have any such discussion?" He replied "Nope, that was all on-the-spot". I asked "Are we good, everything ok?" he replied "Absolutely! What about you guys?" with a smile. I assured him we are all good, did not kiss and tell, and will never do or say anything that would put him in a compromised position. He suggested D may want to put on her bottoms in case security or others come by and we need to exit the hot tub, to which she obliged. We floated around for a few minutes, then got out and walked back to our rooms.
As we passed our room door first I said "See you on the patio for a smoke, neighbor." to which I believe he replied affirmatively. D was excited. Horny would have been an understatement. As soon as we got into the room she dropped her suit and robe, dried off, slid on the black dress and went outside for a smoke. She waited anxiously, looked around the wood lattice a couple of times, then finished her cigarette and went inside to get a beer. We closed the door and she said to me "OMG, I can't believe that just happened. I fucked him in the hot tub!" She paused for a minute and said "I want to fuck him again, right now!". Husband = instant boner from that one. Wow, what a wife. She spent the next two hours in a lounger on the patio masturbating with a large steel dildo and her nearly silent Crave vibrator.
She hoped and fantasized for hours, but surprisingly we never saw him again. He was a heavy smoker, hard to believe he would not come out for one - but we watched and waited with no sign. Could be we were too close to "home" and there could certainly be a lot at stake. We do not believe they were swingers, never got any of that vibe which we know how to read. Actually on our side we thought of ourselves as "born again vanilla" since as a couple we had written off swinging and not even dabbled for years.
I am writing this un-embellished sincerely true account less than 4 days after it happened. We fucked wildly for hours that night, and every night since. She has experienced some squirting, shivering, screaming orgasms from this memory the likes of which I have not seen for some time. They are always ok or good, but this is different. She has brought up the occurrence a dozen times, asking me to recount how it played out over and over. I asked if she had any regrets – about her side or his to which she emphatically says “Not at all”. I have also suggested that this was an organic and exciting thing which can be replicated, which has not been met with a solid "no", but with statements like "I feel selfish because I get uneasy when you touch another woman" and "when you plan these things you become too consumed, and I don't like that". All lessons in listening - some taken to heart and others may need a little work. But just maybe she is not retired just yet… Thanks for reading, hope you enjoyed our vicarious fun.