Has she actually ASKED you the big "what will it take?" question? Has she SAID she was willing to do piecing with you?
I must have missed that.
Until she does, I do like the civil conversations about financial realities and such you are having (good job!), and I also like the boundaries and agreements you've laid out in your 100-day plan. (However, I would NOT put a # of days on it -- make it more of a "TFN" thing . . . waywards view 100-day deadlines as tacit approval to continue to be wayward for the next 99 days, upon which they will then promise you the earth, moon and stars to let them back into the marriage).
I think you have some real positives going for you. You both obviously still love and care for each other, and your wife seems to be respectful of your boundaries for the most part. I think if you let the natural kicking-in of some of the financial and other "BGPs" things kick in, and maintain your GAL and positive changes, the marriage might just look very attractive to her after only a few months.
