Maybe she wants financial security more than a particular standard of living. My W gets very upset when we fall short, but she's open to making efforts to cut back to address it. You may have to make the first move, get her input, and find out what level of savings (not income) would make her feel less nervous about your situation, and then work with her on a budget to make that happen.
a fine and enviable madness, this delusion that all questions have answers, and nothing is beyond the reach of a strong left arm.
