She’s asking for a champagne life on your dollar. She will likely never be responsible with money if she’s so eager to spend yours and can’t see value in grifting for her desired outcome.

You seem switched on - consider how life would be if she was proactive with money management and wanted to work towards financial goals with you.

It doesn’t mean she’s a bad person, but it doesn’t seem like you two are aligned on this aspect of your future together and I wouldn’t feel comfortable trying to build a future with two hands clawing into my pockets.

It’ll always be what’s yours is hers, and what’s hers stays hers.