Each person will respond/react to their life transitions in many ways. Each person is unique, childhood traumas are unique and, of course, their personalities are their very own. Yes, many of them will exhibit similar behaviors, but you can't always go by the book here and check each one off.
Also, the stages for MLC are not linear. They can bounce back and forth and all around. I have a thought on your situation, she may not be experiencing a full blow MLC, but a life's transition. People go through them as teens, again at 20, etc. If they do not navigate these transitions completely, they may have a full blown MLC later on.
She may be in touch w/someone over in her country and she's not sharing that info w/you.....don't rule that possibility out.
Bottom line, protect your assets, i.e., keep an eye on your bank accounts and credit cards. If she starts to spend, you will need to set up a separate account and do what is necessary so that she doesn't spend everything you have.
Try to keep the focus on you. There is actually no set time frame for MLC because each person is unique. The guidelines that you see around here on such thing is just that...guidelines.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.