I see you have contracted my problem of thinking too much and reading too negatively into their comments. You think she is putting aside some "running" money but I read it completely differently. It sounds to me like she plans on staying around until at least next summer and she trusts you to guard it. I see it as all positive. You know her far better than I but I think it is good. The game is still the same. You need to be a good H and let the rest take care of itself. In fact, don't read anything into that comment. If you just can't stand it, ask her where she is taking you on vacation next year . Use humor and a light tone to make it a comfortable question. I know exactly what you are feeling and doesn't paranoia stink?
All you need to do is love her, respect her, enjoy her, humor her, comfort her and pleasure her. What else could she ask for? Not much. You are handling it well, just keep it up.