“No, I’m not planning anything and I haven’t been talking to a lawyer”
Then you could either say nothing else, or add “Im waiting to see if your recent changes are real” or stick with “Im just feeling overworked and under appreciated”.
Also - have you ever inquired as to whether your wife is feeling depressed? Excessive sleeping and decreased libido could be signs of clinical depression. Will she see a doctor?
And as for the spending - if you’re the primary breadwinner, you may need to control the finances if she has a serious spending problem (sometimes also part of depression).