Wife having emotional affair part 4

[3kids]

I have a question for anyone. To see if there is a better way to handle an issue. We have to right a hardship letter to the bank. In texts I asked if we could get together and write something or not. She suggested that we just do it tonight when we exchange kids at my house. Now I didn't feel comfortable doing that because I have three little ones that like to listens to everything mom and dad talk about. And they don't need to worry about anything more than what they are going to have for lunch tomorrow. Really it's the oldest, he is very good at listening at convos. So I told her that was not going to work for me. And they didn't need to worry about adult stuff. She said well I can just write it then. I said no you don't have to do that, it should be from both of us. If you can't meet with me. We can just email it back and forth. She didn't reply and we said goodbye.

Is there a better way I could have handled this? She is acting not like an adult right now.