"I refuse to do any snooping or spying and haven't done so since I read her texts and confronted her. I've found that putting any energy into snooping is just detrimental to my own mental state. "
I'm going to have to go against this here and say that in your case, you should snoop to protect yourself. Not necessarily your mental state, but your financial stability. You have a young S and your W is amazingly candid in saying that she has no problem using you. Someone like that will leave you broke and destitute. And you'll be left homeless because you were being the "nice guy".
Lock down your finances and DO NOT let her use you like that. I mean if she gets what she wants and you give her everything she asks for, why would she want to change?
M-43 W-40 2D - 9 and 5
Emotion, yet peace. Ignorance, yet knowledge. Passion, yet serenity. Chaos, yet harmony. Death, yet a new life.