So I'm going to post an update... well in the course of the treatment for my wife she ultimately passed away at age 40. This was about 4 weeks ago and as I've been dealing with the grief there is also a sense of relief that she no longer has to take a ton of pills or see the doctor every week and get blood draws etc. Interestingly enough, I always joked about "securing her financial future" when I did bills and input things into Quicken... I think her passing may have done just that for me. Full disclaimer though, I'd take on everyone's debt in a second to have her back...
UPDATE
Life Situation: Widowed, no dependents, SW Ohio
Gross Salary/Wages: $101k for me
Pre-tax deductions: 401k (USG Thrift Savings Plan) 8% 5%, 5% match (max match), FSA - $650, 0.8% goes towards FERS pension
Other Ordinary Income: N/A
Qualified Dividends & Long Term Capital Gains: All dividends are reinvested
Rental Income, Actual Expenses, and Depreciation: House was up for sale and couldn't get a buyer so I was forced to rent. So I own a rental without 25% down, maybe that's good, maybe not. I have a long term lease to a military member and his family; $910 per month - current mortgage $878 (P&I plus escrow)... did many repairs while I was living there; to date there has not been major repairs that need to be made.
Adjusted Gross Income: Around $91,500 if I did the math correct Probably not correct as I've been doing edits
Taxes: Withholdings from Pay stub - Fed 10%, Ohio 3.4%, Local 1.5%
Current expenses: Monthly - Utilities $250 (incl. Netflix/hulu, gas, elec, water, garbage, internet), $150 cell phone (will change soon, in process of clearing up wife's accounts), $250 to Roth IRA, $100 weekly cash, $50 to no load MF, Car Payment $404 (soon to be gone, selling it to a wonderful college student that my wife mentored), personal loan $459 (reasoning in initial post, however a surprise insurance policy should eliminate this), Mortgage $1325 (P&I plus escrow, pay about $15 extra per month), credit cards around $500 for normal expenses (groceries, gas, etc.) and gets paid on time every month.
Spouse pays $377 for a car, around $300 for school loans, $100 per quarter to IRA and $456 over to a joint account to help with the mortgage payment (so that's kind of double dipping) (I will take over car loan though if I receive a death benefit from her LTD that will eliminate a lot of this; school loans forgiven)
Expected ER expenses: Not thinking ER at the moment... want to clear debt first...
Assets: Two cars (half way paid off, one at 0% other at 2.9%), two houses (rental and residence), My TSP around $260K, Roth IRA around $75k, stocks and funds around $4k, wife's Trad IRA around $24k, about $5000 in savings accounts (for rental property, vacations, and unexpected home improvements) (Acquiring wife's bank accounts with a sum of about $7k... I honestly didn't know she had that much but she became quite a saver after I bailed her out of her CC debt back in 2009)
Liabilities: $15.5k left on unsecured loan at 9.9%, 40 months left at current payment of $459/mo. (now under $15k but surprise insurance policy should take care of this); $162k left on mortgage at 5% (due to wife's credit rating) 28.5 years left and pay $1325/mo.; $95.1K left on rental at 5% (can't refi w/o 25% down) and pay $877/mo. though offset by rental income; 2012 Prius $9500 remaining at 2.9% payment $378/mo. for 2 years; 2013 Prius $14k remaining at 0% payment $404 for 3 years (being sold to college student in Dec).
At this point I'm just trying to pick up the pieces, both emotionally and financially, but if anything this event has shown how important it is to be FI and reminds one to make sure your beneficiaries are squared away. Any advice from people who have lost loved ones (especially spouses) is much appreciated.