a young marriage in trouble

[Vanilla]

Ins
I would confirm in writing with W your understanding of the conversation. That she has left you the bulk of the cash. Then move it to an account in your name. Outline what you believe you have agreed. Email is fine, but do this matter of fact.

W, I understand that you gave taken x from our account and that the remaining cash is remaining for .......
I intend to open my own account as I can see this is practical. For the time being the joint account will remain open.
If your interpretation is different please let me know

Keep matters about the baby separate for the moment, you may need to revisit cost allocation for baby. As she works and you are a student, then there will be extra issues arising.

You kept the interaction positive but don't chase W. Keep steady Ins and keep posting.
Vanilla