Adam... not to be harsh... But this is not something you vote on. It's a question she needs to answer. You can't answer it for her. This is what I meant by you need to communicate more fully with your wife. If she is indifferent, why is she indifferent? Is she depressed? Is she paralyzed by the anxiety of getting a job, of paying of her seemingly insurmountable debt, of failing at any of these? Of failing you?

The more I hear of your relationship, the more I feel couples counseling would be beneficial. You have so many issues going on right now, between your own struggle with emotions and depression, and the issues in your relationship with her debt and the lack of communication. I don't think you should make any drastic changes that could have any possible negative effects for your future relationship if you do still love her and want to be with her. I think you need to focus on getting yourself emotionally stable and really opening the lines of communication with your wife.

That being said, I don't want anyone thinking I"m 100% against open relationships. They're not for me. I believe they can work as long as there is lots and lots of communication, understanding, and agreement between partners.