Her issue though. This is revealing a lack in her. That maybe she isn’t doing her part so there is shame involved.

I have neighbors that inherited money and did not have a mortgage. Have a very nice antique home. Have met others that have what they have because of trust funds etc. Some people are ahead due to family/parents. Nothing wrong with that, the only time I find fault is when these people act upity and look down on others who have to work hard for what they have.

Don’t let your wife hand you her shame and inadequacies.