I'd be very careful about posting this information....does your husband snoop on you, or know what websites you visit? Do you have your password for Specktra stored? If you do, he could just accidentally or willingly log into your account and see this post...even reading that for him might be a huge strain on the marriage. Clear your cache, don't save your pw, etc.
But anyway, onto the question -
I don't think it's worth it. I'm pretty sure almost all persons in a long-term relationship have at one point been drawn to and attracted to another person, or even considered having an affair. I'd be lying if I said I haven't been in that situation of temptation in the past 10 years I've been comitted to my partner. Unless you're in an open relationship where both people are ok with that, you still made a commitmment to your husband, and to the relationship to be faithful.
It can be sign that there is something wrong with your relationship, but sometimes it's just carnal attraction. But I agree with the other people that it's just not worth it. Most likely, the guy will have his fun, the excitement of sleeping with a married woman and the secrecy of the affair, but then he might get bored of it and just move on. He's in his twenties, young, flirty, and having an affair with a married woman might just be another thing on his sexual to-do list. Most affairs/flings, I wager, don't turn into serious relationships. And then you'll still be left in the same position you are now, only you will have hurt a lot of people that you love - your husband, your child, etc. If your husband finds out, your marriage will be broken, and even if he doesn't, the guilt will eat you up inside.
I'd try to distance yourself from the younger guy, or completely cut off the contact, and focus your attention on your husband and family to see what you can fix in your relationship. Maybe some counselling would help?
Good luck!