Thank you Cadet, It's very hard to go against ones natural instinct to act but I'm holding back for now given your and Vanilla's advice.
I believe my w may be depressed and vulnerable having been left by me to run things and keep the family afloat for sooo long without my help. If she can only see the route she is taking is not for the best, that it is destroyed her family. That we can be so much better now I am largely out of my fog.
I guess you can see my predicament; either do nothing and hope my w doesn't make bad choices prior to seeing these things or try to advise her.
I am not out of the woods yet myself but I can see the pathway and I have a plan to move forward and I so desperately want to do so with my family beside me. Thank you again, James66