Re: To annul or divorce
If you are within the timeframe and qualify for an annulment, that would most definitely be the route you should take. You need a good reason for an annulment and non-consummation of marriage is a strong one.
Stigma for being a divorced men is not really an issue, the same however cannot be said of women. They get the shorter end of the stick here. Try to find out what she wants and convince her on the merits of an annulment if need be. Make it easy for her as you need her cooperation as behind her facade lies the WC hammer.
With time you can earn money. Money cannot buy time lost. These 3.5 yrs is worth multitudes more than the $50k.
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