Facing
Ok time for another adjustment, this necklace how do you know she didn't get it from someone else like a relative. You also said that she has gotten wreckless in spending, and she makes her own money. There are a lot of plausible explanations but guess what? The only way to truly know is by asking her. Do you think she will find it attractive if you interrogate her about this? Trust me no matter how nice you try to come across she will read your suspicions and see right through you. I know from personal experience. Besides 9 out of 10 this will not get you the answers you need. Even if an EA or a PA is an absolute non-negotiable. This most likely will not get you the proof you need. You will only stress and keep pushing her away. Its not worth it. In fact even if you decide you want a D it is still not worth all the stress you are putting yourself through.