I have been in that same situation several times in our over 2 decades of marriage and have bailed her out numerous times. She still hasn't changed her lack of financial responsibility. The only way I can sleep at night is by having separate accounts and paying all the bills myself. She has forged my name on checks before and I have to hide all my account information and passwords. I know you have a lot on your plate but if you don't take over the bill paying you may end up not having food to put on your plate.

Best of Luck