We all think we have "the one that would NEVER do that..." And they do.
My H was always frugal, thrifty and careful about money. He used to always say that financial security was his biggest concern.
Then, he blew through money like nothing, and spent ALL of it. I was lucky to get out what I had put in with paychecks. I was nice enough to do it slowly as not to leave him with nothing, as he was literally burning through his entire paycheck. He made major purchases.
And, in the end, I was accused of "stealing $" from him.
I wish I had gotten in all out in the beginning and had nothing to do with his spending.
Please take it out. You think that if you hold her this kindness, she will see that and come back. ALso, it hurts to make each action at separating things.