The only problem with that is the kids are growning up and we do not need a full time mom any more. as less and less energy was needed for the kids, the energy did not get put back into the house, the relationship, a job, or even volunteering. It is spent in watching tv or playing games.
I’ve been looking for a clue in this thread, and I think this paragraph may be it.
Could your wife be mildly depressed, as the role she has put so much energy into in the past has become less valuable? Could she be feeling like she, as a person, is also less valuable?
I know a lot of women become emotionally vulnerable as their children grow up. And my husband often has struggled with a tendancy towards depression. The red flag, to me, as the wife of a man who struggles with depression (in other words - not medical advice) is that she isn’t putting energy into anything. Depression seems to happen as a slow spiral: A person feels less valuable, and feels sad, which leaves them with less energy. Because they have less energy, they do less and accomplish less - possibly frustrating those around them into complaining. Because they accomplish less and perhaps are complained about, they feel less valuable, less capable . . . and it leaves them with less energy.
If that person also associates spending money (for themselves, for the kids) with personal value, then spending can help them feel better.
You also mentioned her choice of words when you discuss things as being statements like, "“Aren’t the kids allowed to have toys?” That sounds passive-aggressive, and passive-agression is a tactic used when a person feels defensive - because they feel like they’ve done something wrong or failed. Often this is a pervasive but vague thing, IME.
Again, I’m no expert. But you might want to approach this from the angle of, “How can I help my wife feel more valuable?” This doesn’t mean you have to stop talking with her about the budget or other issues you have and working through them in any ways that seem productive. But you might want to add onto everything else that you are doing some efforts to just make her feel special and important.
Everyone finds different things make them feel valuable. The book “The Five Love Languages” is a great resource for figuring out what might help
your wife feel loved and valuable.
If you don’t get around to reading the book right away, here is one idea from it that you might want to try until you do get a chance to read it: Since your wife likes spending, maybe getting things helps her feel loved and valued. The fact that she wants to give things to your children (toys, clothes) also hints that her love language might be “gifts”, or at least that this is one way she shows and receives love (it still may not be her main language, but it sounds like she can speak it). When was the last time you gave your wife a gift? You might want to try giving your wife a gift every day for a week, then go to giving her a gift every week. Gifts can be homemade cards, hand-picked flowers, a nice beverage from a coffee stand on your way home from work, a pizza for dinner for the family - they don’t have to be flashy.