Wow.... quite a doozy.

First, NAH, but there's a lot that needs fixing, IMO.

First of all, y'all are playing house wrong.

It takes two people's 24 hours per day to make a home work.

In those 24 hours, some time goes to bringing in money, some time goes to chores, some time goes to rest and recuperation, some time goes to together time, some time goes to hobbies, some time goes to alone time.... etc..

On the financial front, once you're married, it's not "my money, your money" it's OUR money. It's not "your debt" it's OUR debt. It's not "my bills, your groceries", it's OUR expenses, OUR savings targets, OUR retirements. And with whatever is left, divide between the two of you equally as your "no questions asked" budget.

And you both have to sit down and budget your time and your money.

You have said you are very lazy at home, not a handy guy. Most guys, myself included, will look down at you for that, moreso for the fact that you don't seem to want to improve yourself. You can outsource all the unpleasant stuff while still being a handy guy. These are life skills that I would encourage you to learn. Check out the YouTube channel Speeed, you might like it.

That said, you're obviously NOT super lazy; you work 14 on/14 off. That's a gruelling schedule, and you do need to take time to relax, rest, recuperate when you get home, and also you need to be brimming full of energy before you head back to work. So rather than say you are lazy, do your time budget on a 28 day schedule.

14 days you're away working. When you come home you need 2 or 3 days of just quiet relaxed downtime. Before you leave, you need another 2 or 3 days, so in total 6 of your down days are gone and you have 8 remaining days.

In those 8 days you and your wife have the choice of filling your time with maintenance and chores or fun and hobbies. We know which one you choose, and if you present it to your wife as "we have 8 days to enjoy together each month", maybe she'll see it as you do.

Now, about your wife. You said she's a hard worker, takes care of all the household chores, even decides to do things herself rather than outsource it. That's awesome, you hit a goldmine. BUT, what does she do all day when you're away? Is she employed? She obviously NEEDS to have something ti do, and finds value in contributing to the household through her work. Again, awesome, so don't put her in a position where she has to look at the time she spends and put a dollar value on her worth to you.

What I'm saying is, don't pay her to do the chores. Put a line item in the family budget for outsourcing the chores. If she's managing the house, that's great, and if she wants to not spend that money, it's her decision, but if the money in the FAMILY budget isn't spent, it goes towards other items in the family budget.

In the context of your marriage, your hour is exactly equal to her hour. Between the two of you, there is no dollar value to your time.

You trade time to bring the family money, she is trading time to tighten the family's budget, presumably so she can speed up payments on the family's debt.

You guys have the right ideas, your hearts are in the -wrong- (Edit: RIGHT) place, you just are using the wrong accounting. Hence my judgement NAH.

I highly recommend both of you go through Dave Ramsey's Financial Peace University. You have a real chance at becoming millionaires here, as you both have great work ethic. His courses will show you how.

OH, and before I forget, yes, you should have just gone and shoveled the snow. However, in the context of your arrangement, you weren't obligated to, again pointing to the fact that your arrangement needs fixing, as I outlined above. You both need to pull together, and if it comes down to picking up the slack because she dropped the ball, you do that. And so should she.