Have to ask, why do you have a +25K car when you work from home and your wife can "walk to work"? Do you need a very reliable and safe car to visit family or something? Even if so, your car is worth more than you can afford by most measures, especially around here on MMM.
I'd sell that car and get something cheap. Better yet, could you have a "carless" summer and avoid car payments and auto insurance for a few months? Just thinking out loud. Anyway, I'd get a cheaper car, pay off this 8% business loan, throw a few grand of this inheritance in retirement acts, and figure out how to get 20% down payment on a home. But, that's just me, I like owning my own home.