How she spends the money she earns is her business. If she wants to enable that behavior that is completely on her. All of my pay goes into a separate account now anyway.
Does that matter in your state?
My understanding (and I am ABSOLUTELY not a lawyer) is that all of the marital assets get pooled and split, regardless of whose name is on the account. So "her" money is "your" money and vice versa until theres some sort of legal document in place defining who gets what.
