What's the best way to separate from the military due to having severe financial issues?

If you have a job lined up that's better than what you have now, then take it. If your wife is running you into financial ruin (I hope not) than she needs counseling. Being in this position and be told it's in your best interest to give up your job, housing and food source is terrible advice to follow. If you have gibill benefits and severance pay, it may not be so bleak. But ask your self: where will we live? What income can I expect from a new job? Can I get a new job? Can I support my family on gibill housing allowance till i graduate? Can i give up everything and still support myself, main try ain't healthcare for my family and also pay off debts I owe? Will my wife be willing to get a job(or two)?These are critical questions to ask yourself.

I would follow the advice of others on here about help with your financial issues you are having instead of trying to separate. The way the economy is right now (especially with covid 19) are you sure that civilian job is going to be rock solid and pay the bills when you factor in inflation, loss of medical being covered by Uncle Sam, etc? Once you’re out for this reason most likely when you change your mind in a year you aren’t going to get back in because the recruiter is going to have more business than he can handle with the economy in the crapper.