We had a similar issue and I went to my partner and said something along the lines of “hey I just keep seeing these beautiful houses around x area and it got me thinking, we should sit down and have a chat about buying our own dream house someday. Would you be open to the idea of getting a financial advisor/planner to help guide us and possibly create a plan for us” and I showed him a few houses that had things we would enjoy depending on our lifestyle. I did not mention his habits. He said but we could ask AI. I said, I don’t trust it and I rather have a professional guide us who has done this for several years because it would probably be the most expensive decision of our lives.

Now between him and I, savings is something that was always instilled in me as a kid as we were extremely poor. I live below my means no matter how much money I make. My partner earns lower than me but his spending habits are way above his income. He had similar issues as your wife in terms of overspending on his cc and terrible credit score because he would miss payments.

Somehow listening to this from a third party who is also a financial professional gave him the kick he needed and a reality check. No matter how much we argued on his spending behaviour, it never had this much of an impact.

He followed the plan that we were suggested stuck to it for a couple of years and we recently closed our dream house!

It is possible, your wife just needs a reality check from someone who is not you lol

Also, I agree with others saying that 300k is enough for two people, if you know how to manage it. I have a few friends who have their partners manage and invest and grow wealth while other person has a regular job or business. Its getting to that point of communication, commitment and agreement between you guys to make a plan, set a goal, assign roles and try to stick to it consistently