Hi. I don't think I was here when you were, but still welcome back.
Don't be ashamed, be proud. Many probably stay away because they feel ashamed and won't try and recover again. You do!
If the Xanax has been prescribed, then maybe an open talk with your doctor is due. You might need it for your recovery, but only he/she can decide.
I haven't got much advise on your debt situation (I have my own
), but you know your wife best on how she will react. I think it's always a good idea to be honest, especially when it will take more than just you to fix it. Good luck and let us know how you are keeping.