OP, I respect your loyalty to your wife, but I would like to ask you 2 serious questions:
1) Does your wife love you?
2) What evidence do you have to support your answer to 1)?
I think we should know why you are staying with this woman? If she loves you, I don't see any reason why she can't change for your sake and help you save money. If she doesn't love you (i.e. she's not willing to change her spending for your sake and for the sake of the team) then why are you punishing yourself by being with her?
You've brushed off every suggestion to 'ditch the wife', let's clarify whether this wife of yours really is worth sticking to. If she is a worthy wife, then her spending habits may just be a shit test and you need to take the lead in the relationship and use some game to get her back into a follower role.
Your wife should be on your team, not poking holes in your financial boat.
1) Does your wife love you?
2) What evidence do you have to support your answer to 1)?
I think we should know why you are staying with this woman? If she loves you, I don't see any reason why she can't change for your sake and help you save money. If she doesn't love you (i.e. she's not willing to change her spending for your sake and for the sake of the team) then why are you punishing yourself by being with her?
You've brushed off every suggestion to 'ditch the wife', let's clarify whether this wife of yours really is worth sticking to. If she is a worthy wife, then her spending habits may just be a shit test and you need to take the lead in the relationship and use some game to get her back into a follower role.
Your wife should be on your team, not poking holes in your financial boat.