that's a big fear for most women, she needs that security.
lead on this
have a money talk
Income - Expenses = Profit (savings) it's like trying to lose weight you can control how many calories your bring in and how many you burn.
If your income is fixed then go thru the expenses, what does she want to cut out, if she worked what would it mean to your situation, do you two know if you will be able to retire like you want?
be business like, show her all your accts, take the drama out of it. facts tend to ruin emotional arguments.
"i understand you would like to have more, where do you suggest we cut expenses?"
let her decide working would be good for both of you, "we could take the extra trip a year if you worked." , make it win-win
she let you see into her, be wise
M22,H45,W45 S21/18D12 Retain faith that you will prevail in the end, regardless of the difficulties and at the same time confront the most brutal facts of your current reality, whatever they might be.