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@Momcat, your daughter will learn to act as you teach her to act if she trusts you more than her peers.  These age guidelines above are what generally happens in boys and girls who are left to socialize on their own terms - it's what I would call "stages of cognizance in human biology".
Teaching her to act on things not age appropriate to their cognizant abilities will only confuse them.  Of course, these ages are general guidelines and your daughter could possibly develop as an outlier.  But if you're well in-tune with your daughter you will recognize her progression.
That's why in my house (and my house only) - I taught my children the ages specified in For the Strength of Youth or other things are just guidelines and not our house rules.  8 is the minimum age of baptism, but my children will not be baptized even if they turn 8 if they're not ready to be baptized.  16 is the minimum driving age, but my children will not drive even if they turn 16 if they're not ready to drive.  Same with every other age distinctions.  This especially became an issue when the Church changed the age for Priesthood Quorums from their birthdays to the beginning of the year of their birthdays.  My son who had 9 months before he becomes a Priest in the "old policy" was suddenly faced with becoming a Priest at age 15.  I told him - you don't have to be ordained a Priest if you're not ready.  As it turns out, by January he was ready, so he got ordained with the rest of his age group.
Note:  As @Jane_Doe stated, there's nothing inappropriate about females at any age having friends that are male.  What makes it inappropriate is how your daughter behaves around males and how males behave around her.  They way I taught this to my sons is by teaching them simplistic good touch versus bad touch and simplistic concepts of eternal marriage and chastity since they were young children that gradually became more complex as they started to be cognizant of more complex things.  Then I left them to govern themselves in the company of their friends while I stayed in tune with where they are in their journey as young men of the Priesthood.
 

Suck it up butter cup.  You knew what you were getting into, yet you have the temerity to complain about it?  Especially given your known hangups i.e.
 
I actually feel a little sorry for him.  You expect him to change?  You're previously married you should know better.  Tigers don't change their stripes.  You've received some good advice above r/e reciprocation and finding good qualities in  your husband.  I suggest you follow that advice.  

Well, you didn’t need to share it to the online world if you truly believed he shouldn’t have shared it with you.  That’s not cool.

Back to OP.  I think it could be any of the following announcements:
1. Lightening up on WoW
2. Announce plural marriage/sealings for deceased unwed women
3. Section 139 of the D&C
4. Ratify into scripture/cannonization of something like King Follet Discourse, or maybe some previously unrevealed revelation of a modern prophet (kimball/hinckley/david O)
5. Additional "translation" from the sealed portion of the BoM (maybe we are ready / maybe not)
6. My favorite idea: They finally got around to locating and translating the scroll of Joseph which was one of the manuscripts purchased by joseph when he acquired the book of Abraham and the mummies.
 
 

Back to OP.  I think it could be any of the following announcements:
1. Lightening up on WoW
2. Announce plural marriage/sealings for deceased unwed women
3. Section 139 of the D&C
4. Ratify into scripture/cannonization of something like King Follet Discourse, or maybe some previously unrevealed revelation of a modern prophet (kimball/hinckley/david O)
5. Additional "translation" from the sealed portion of the BoM (maybe we are ready / maybe not)
6. My favorite idea: They finally got around to locating and translating the scroll of Joseph which was one of the manuscripts purchased by joseph when he acquired the book of Abraham and the mummies.
 
 

Delete all evidence of this activity and never tell anyone. 
You have a responsibility to your children that overrides all other considerations. You need to keep your family intact, if possible. The fact is, you did not have any sort of physical relationship. Over time, any guilt you may feel will be wiped away by the fine family you will raise. You will not go to hell by taking my advice  That’s total nonsense  By raising a great family you will have repented  
Dont do anything stupid like talking to your bishop. He will likely have you tell your husband, destroying all. 
Go to an independent counselor if you must talk this out with somebody.  

Don't be so sensitive, nothing i wrote was made with the intention of attacking you. You came here to a forum on the internet looking for advice and you got some. 
Facts do not equal and attack.
1. It's a seasonal job (not a real/fulltime job)
2. She claims that she won't date co-workers (in general a good idea but see #1)
3. My advice is the same as all the others here don't pussyfoot around just ask her out.
4. If you read a personal attack into everything someone says or writes life is going to be very tough for you.
 

LOL.  I'm a willing life saver.  Any takers?
I call troll.....

God grants forgiveness, not the bishop, and God knows what you have done. The bishop might feel he needs more insight into the situation behind a particular sinful act; in this case, your bishop apparently didn't see the need for that. So be it. Your true repentance will not be less effective because the bishop didn't ask you some things.
If you're still feeling bad about this, go back to your bishop and tell him that you were prepared to tell him everything, but he didn't ask. Tell him you feel uneasy about that, and offer to spill your guts. If he continues to refuse to ask, accept that as the righteous judgment of Israel's common judge.

LOL.  I'm a willing life saver.  Any takers?
I call troll.....

Wow, just wow.  I feel bad that you have had a hard life.  Sounds like you are an adult now, and can make decisions on  your own.  Decisions that will let you choose a happy path.  Disassociate with those who adversely affect you.  Associate with those who lift you up.  I know your life has probably sucked now.  You can choose to make it not suck.  So do it.  
Don't worry about bishops/stake presidents/step parents, etc.  Worry about yourself.  Your covenants are not with the church.  They are between you and God.  Let God worry about the church.  You worry about you.  

Church will pay rent for deserving individuals.  It is however at the discretion of The Bishop.  I live in the bay area, and I have seen several of my Bishops pay rents in the thousands of dollars per month for various deserving individuals.
Bishops are allowed a certain $ amount allowable from fast offerings for medical care.  Once that amount is met he must get permission from the Stake president to exceed said amount.  There is another threshold up to which the Stake President is allowed to authorize.  Once that is exceeded, permission must come from an Area authority, then from Salt Lake.  There are many tens of thousands of dollars available for medical care when necessary.
I did not perceive that $ was a problem for the OP.  I perceived their lack of respect for their ecclesiastical leadership, and own personal mental health issues to be the core problems.  If even half of what OP describes is true, then I truly feel for her.  That does not negate the necessity to take steps to overcome and advance.  

Wow, just wow.  I feel bad that you have had a hard life.  Sounds like you are an adult now, and can make decisions on  your own.  Decisions that will let you choose a happy path.  Disassociate with those who adversely affect you.  Associate with those who lift you up.  I know your life has probably sucked now.  You can choose to make it not suck.  So do it.  
Don't worry about bishops/stake presidents/step parents, etc.  Worry about yourself.  Your covenants are not with the church.  They are between you and God.  Let God worry about the church.  You worry about you.  

Then you need to give him credit for working.
You only focus on him not helping you with house work without putting any credit nor consideration on all the work he has already done.
12-year-old kids offer their services for yardwork for very cheap especially if you provide the equipment.  But the point I was trying to make is - your husband provides value to the household that you are ignoring.  If neither of you want to do the yardwork then you need to find alternative options instead of doing something you don't want to do and resenting your husband for it.  You should be more worried about caring for your husband than caring for your yard.

Sacrament is 1 hour per week.  I'll bet you and your wife waste at least that much time watching tv or whatever in a given week.  Ask your wife for 1 hour.  While at home you can study your scriptures.  You need to concentrate the rest of your time on your wife and child.  She was good enough to date, good enough to make a baby with, good enough to marry.  You can't complain now that she doesn't like the church.  It's too late.  
Don't worry about impressing your Bishop.  Make sure your wife feels like your #1 priority.
 

The trouble with this is that in many jurisdictions, a party is liable for debts incurred by his or her spouse.  In Utah, I could rack up $100K of credit card debt, divorce my spouse, bankrupt out of my portion, and leave her holding the bag for all of it—her only recourses would be to pay off the debt or file for bankruptcy herself.
If a twenty-something female in a country where this sort of thing were permitted, discovered her husband had borrowed money using her as collateral—we’d tell her that her first and foremost priority is to keep herself safe from bondage, even at the cost of her marriage.  But unless @dougfir‘s wife has undisclosed income that she has used to pay off the credit cards she’s racked up—that’s exactly what she’s done to him.  Not once, not twice, but three times.  
That’s not a spouse; that’s a pimp.

You've been married for 3 decades.  You want to stick this out.  Here is my advice:
You need to accept the fact that this is how she is.  She is not going to change.  You need to love her as is.  There is no need for forgiveness, only acceptance.
 
I'm not you, but for me this behavior would be intolerable.  I would advise her that the next Credit Card deception will result in separation and divorce.  If she doesn't want that then you will need to take over financial control with an iron fist.  If she still lies about Credit Card use, then  you follow through on your threat.  

Sacrament is 1 hour per week.  I'll bet you and your wife waste at least that much time watching tv or whatever in a given week.  Ask your wife for 1 hour.  While at home you can study your scriptures.  You need to concentrate the rest of your time on your wife and child.  She was good enough to date, good enough to make a baby with, good enough to marry.  You can't complain now that she doesn't like the church.  It's too late.  
Don't worry about impressing your Bishop.  Make sure your wife feels like your #1 priority.
 

If you married someone in the expectation that he would make you happy, you are far off the mark.  In general, husbands are not entertainment committees.
i think you have a lot of growing up to do.
 
or maybe it’s hormones.
 
 

Don’t be unfair to the poster. Based on the information given, this was a decent answer. I happened to agree with it. 

Sorry, but this is not what I am concerned about, and honestly quite rude. What I wrote in this post is the tiniest piece of the puzzle, hardly including his side of the story and exactly what he is dealing with. This was a big assumption to make off a little bit of information. This is exactly why I get afraid to post on these types of forums.

I believe they sign their own recommends.  Just like mission presidents.

I believe they sign their own recommends.  Just like mission presidents.

@without_you Wow, you laid it all out there. I commend you for giving it your all. I am going to offer up some thoughts I had and if you want further clarity be sure to ask.
You're short for a man. Studies have shown shorter men (men under 5'8") need to make at least $100,000 additional each year to make up for being short. Women do not prefer short men, and obviously there is nothing you can do to control that. You simply have to approach girls that are as tall or shorter than you. Don't approach girls taller than you as it's a 99% likelihood they won't be interested. One of the problems is you're at BYU. I know it might make sense that the sheer number of girls there means you have a greater probability of finding someone, but not so. You see, these girls have many options too. Most women are hypergamist. (look it up) and  they are constantly look to "trade up". If you lived in the Midwest like I did where there are not as many YSA members, many girls would have scarcity in mind about men, because there are much less, and be more willingly to give you a shot via dating. You have abs? Trust me bro, you're in the 99% top of guys then because most guys don't even at have abs. Keep being fit. You said nothing about a mission. If you didn't go on a mission that's 75% of the girls out of your pool at BYU. They want a RM. Sorry that's just the way it is. Also, you may be ugly. Perhaps no one would tell you that because you have to have close friendship to get honest feedback. Studies show that biologically we are draw to symmetry and ratios in the human body. For example, men are draw to women with a 3 to 1 hip to waist ratio. A woman waist show be smaller than her hips. If the woman looks like a Pringles can, it's no bueno. Plastic surgery isn't a bad option but I would leave that as a last resort once you have left BYU. There are website where random people can rate your attractiveness, but it can be brutal, so be careful. Have hope though brother. There are tons of facially unfortunate looking men that have landed wives, and you can too!  Get involved in intramural sports. Most women are vain, but women that play sports are typically better emotionally mature and more likely to be fit. Sports have a way of spending time together and having a mutually shared interest. The single biggest issue is your ability to make connection with other humans. Your parents were clearly neglectful in their rearing of you based on what you shared. I have 3 daughters and the single biggest goal for me in regards to them is to make sure they always know that I love them. Make sure you have a solid therapist and talk about this with a friend or bishop. Also tell your parents your feelings. Don't worry about how it will make them feel, but how it will make you feel. Don't white knight. Women are emotional experts and they can not connect with someone who can't articulate their feelings. This too, however, can be overcome. Dating is the hunger games, no doubt about it. It's brutal! That's why I'm so glad to be out of the game (married going on 9 years). But once you find her it will be all worth it.
Look bro, don't lose hope. Hope is the single biggest asset you have. You have depression, get the help you need. Practice gratitude to overcome discouragement. You live in the greatest country in the world with tons of opportunities. You will pull through but work through those constraints that I mentioned. And hopefully you can leave BYU and find more success outside the bubble. 

Yeah man, definitely worrying WAY too much... as in, worrying > 0 is too much here.
Obviously you know what you're supposed to be doing and not doing, and the fact that you care about it so much means that your heart and mind are otherwise right where they should be.  You're okay.  Stop worrying and no, you don't have anything to feel guilty over.
Stray thoughts come to mind for all of us, bro.  As you went down the list of incidents in your mind, I kept thinking "yep, me too."  The fact that you can tell your wife about it is awesome, because that means she trusts you and knows how to contextualize that stuff.  It's the same way with me.   In fact, she and I joke about it all the time.  I was  talking once with my Bishop about things in general and the conversation got onto these things, and he said the same thing I'm telling you here:
You can't necessarily control the stray thoughts that come into your mind.  What you can control is whether you feed those thoughts and what you do or don't do about them.  Clearly you aren't doing anything to encourage them, and you aren't acting on them.  That's where you should be.