Any advice folks on what I should do?

She doesn't sound very good for a number of reasons.

First she has 3 kids, do you want to support, provide for, and raise someone else's kids?

You say her husband left her in debt? I find that hard to believe and it's a common lie for women.  The fact is that in divorce, women take everything and the man is left having to pay for all the debts.  If she has any debt, it's probably from her buying junk on her own credit cards or running up high student loans, which is common for women. If she's telling you it's debt her husband left her with, she's lying. Family courts shift the marriage debts to the man, always.

If she's attractive and works as a bartender, she's banging other guys left and right. This goes without saying and you're a fool to think otherwise. I have never met a female bartender who is not banging at least one new guy a week. And I've met thousands of them.

If you are really serious about this woman run her credit report and go talk to her ex husband. I'm absolutely serious. Before you commit all your money and resources to her and her three kids, do a little research. I bet you'll hear a whole different story from her ex husband. Have an open mind and go talk to him. 30 minutes with him could save you from losing 80% of your assets, your future paychecks, and years of misery with this woman.

Guys, don't get serious with single moms, don't date bartenders unless it's a one night stand, and always research a prospective girlfriend before making a commitment.

If you guys think I'm cynical consider this. In all my years of life, every friend that I have encouraged to investigate potential girlfriends ended up dumping them because they all found out they were lying to them. Every single one and I know of dozens of instances. Guys fall in love and they lose their common sense and women use that to their advantage. Step back from your situation, look at it objectively and if you have to, hire a private investigator for a few hundred bucks and check her out. I guarantee you'll find something out that will be a deal breaker for you and you'll thank me for saving you hundreds of thousands of dollars in the long run.

Think realistically here. You're talking about a good looking bartender with three kids who complains about having debts that her husband left her. How many red flags do you need ?

RUN !!!!!!!