It sounds like you have gone through a lot. I am still in the early stages of my sitch and struggle at the idea of doing this for a year or longer. However, I’m glad you have done good so far to manage to make progress for a year in.
You seemed to be in a tough predicament there regarding advising your W on money management. I don’t have a lot of advice for you brother, and I haven’t read your sitch fully, but I will pose several questions here and maybe you can reflect on them and it’ll help you make your decision:
In the past, your W mentioned about being judged by you, and if you bring this up (her debt issue), will that come across as judgemental?
Your W sounds like an irresponsible person financially, why do you need to take responsibility over this? She has fired you as her H and she shouldn’t have that privilege anymore.
Like me, you also have a tendency to “fix things” for your W when she doesn’t actually want you to. Will advising her on how to handle her debt look like you “fixing things”? Will she appreciate that?
M: 28 W: 30 T: 2 years Married: Nov 2019 BD: 5 days after wedding (I know right?)