Because she has plans to split the partnership. No other logical explanation. See if she can give you a good explanation. Wanting to work a minimum wage job to escape home, wanting her own bank account, spending hours away from home at the gym seems she wants to escape from you. Maybe her mother is advising her based on recent experience with your FIL.i only brought up ending the marriage after she said she wants to put a large sum aside for herself i said "well why dont we just do 50-50 and go our separate ways? seems you are building separations here anyway lets just dive in to it head on."
she did say she wants up both to put equal amounts aside.
my issue is that its not a smart finance move to lock money up, we could easily take that money and get a 10-15% return, why take it and waste it like that? but my fear is WHY, why would she want to create a separation, why does she want a place she can spend what she wants how she wants and hide it from me?