It seems to me that your w has your scared a little bit. She's holding all the cards.
I'm all for thinking logically and making good decisions to not lose money in the end... but I can tell you that if I would have rushed into this and made all my decisions based of the pressure my w was giving me... I'd actually be worse off.
Peter - this is your life. You control it. You don't run from the D, but if you haven't thought through everything, have a good game plan, can control your emotions... don't move forward.
I'm hearing "My wife will think I'm delaying it" as much as "I'm afraid I'll lose more if we go another route"
You gotta do what's best for you.. and I know you will. I'm not trying to force you to postpone because I dont know what will happen in your sitch.
I'm only saying that if you continue to base all of your decisions about your present and your future out of 1) fear and 2) your wifes wants... I don't believe you will inturn do what's best for you as an individual and a father to your girls.
M(f): 43 D'ed: 8/12
Show empathy when there's pain. Show grace when warranted. Kindness in the midst of anger. Faith in the face of fear.