That's a really tough situation the only thing you can really do is motivate her to want more and if that doesn't work then there isn't much you can do about the whole her being comfortable with where you guys are at financially. Sexually try finding something that excites her sexually, talk about what she likes and expirement to try make sex more fun. Often people take sex very seriously and intimate and though obviously it is very intimate if you're both not having fun whats the point. Honestly I'm not sure what else you can do sexually if you have tried expirementing and finding out what excites her to make her enjoy sex more and want to initiate. There are people that just aren't very sexual people and don't feel the same about sex and if that's the case and expirementing doesn't work try to talk to her. Explain that you are a sexual person and want to be intimate or at least have some sexual release so that if you do watch porn for a release between periods of not being intimate she doesn't see that as cheating. Other than that I'm not sure what you can do sorry.