My Situation - any thoughts or ideas

[XYZ]

Our financial situation is pretty complex. We own two businesses have multiple IRAs/401(k)/Savings/Kids College/ etc and lots of debt too. She's never been involved in it (even though I've been asking her for years to help, but that's another story) and is now VERY concerned about her ability to make ends meet. And rightfully show. She'll be very tight. We live in a very nice home and neither of us will have anything near as nice when this is all done.