Her fear is custody. #1.
Her "safety net" is the presumption she'll be taking some equiuty from the house sale. She wouldn't be so cocky if she knew she'd be broke or possibly taking "debt" as the door prize.

I'll set up the banking plan ( to cover the expenses) and present it. Then she'll see how much spending money she doesn't have.

Like everything else, she won't sign that either.

Found out she spent 150 on her CC at a lwyer in town she works.
Oh, and BOTH airfares last week.
And the rental car.
And the hotel in "Mountain Town" not "Shopping Town" on her B'day (remember the "You underestimate me" weekend?)$600.

All on her personal card. And I'm gonna firewall myself against that being "our debt", too.

She spent 3500 in a month and a half. Sure, some groceries and gas, but Holy Crap!!

Time for me to get a lawyer signed up. Not just consults. Get MY VERSION of the Sep Agreement drawn up and present it.

I need to LEAD this process. Tie her hands.