You brought up financial problems. She may be a woman who thinks that a man is supposed to provide for her and has become dissappointed that finances have become a problem. It doesn't sound like she is working at the moment, herself. When financial trouble throws a marriage on the rocks, I think it's usually because one party in the marriage blames the other for the money problems, or they blame each other. You don't sound critical of her. How is she at shouldering responsibility for finances?