On returning, well off, embracing wife in city (7)

I believe the answer is:

norwich

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'city' is the definition.
(I've seen this before)

'on returning well off embracing wife' is the wordplay.
'returning' says the letters should be written backwards.
'well off' becomes 'rich' (I can't justify this - if you can you should give a lot more credence to this answer).
'embracing' indicates putting letters inside.
'wife' becomes 'w'.
'on' back-to-front is 'no'.
'rich' going around 'w' is 'rwich'.
'no'+'rwich'='NORWICH'

'in' acts as a link.

Can you help me to learn more?

(Other definitions for norwich that I've seen before include "Administrative centre of Norfolk" , "Norfolk city" , "See" , "County town in E. Anglia" , "Juliana of - (Revelations of Divine Love)" .)

I've seen this clue in The Independent.

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