W suggests we trade places - I move back into the house, she moves into the apartment.
I've told her that I have some enthusiasm for this plan. She'd take all the mutual funds / stocks, and some of my 401k, for me to buy her out.
Be careful on this. How do you know how much you owe her - have you done a recent appraisal on your house to determine it's worth. With the way the housing market has been these past two years, if you do not have a recent appraisal then I think it would be the best $300 or so dollars you've ever spent to make sure you don't overbuy her out.
