Lost/OP - Thank you for your feedback. I have decided I will take the bonus and ask her what she thinks. My suggestion will be to take most of it and pay off debt with a few grand going into savings. You are right in that one of her issues with me has always been my financial irresponsibility. Showing her that I am taking proactive steps may show her a different side of me. I have also realized that my indecisivness is something that is quite unattractive. She can see it and it sure does not help my sitch. This is something that i need to work on, in addition to the fear that I feel re: the loss of my W. I have a lot of issues that I am trying to deal with right now and I have say; although it is not easy I can see that I am making progress just not enough progress for her.
"The difficulties of Life are intended to make us BETTER,not bitter". "Fear is a prison, where you are the jailer. FREE YOURSELF!" "Life is usually all about how you handle Plan B." - Jack3Beans