This is how we manage the financials when we first get married. We agreed 50% of salary will be deposit into joint family account. Obviously the money grow fast inside

Because those are joint money, each time we want to dig into it to use, we'll seek each other agreement. There's mutual understanding there.

Can give this a try. When your wife has sense of responsibility, the behaviour will change

Loan, daily expenses, FD from that joint account.

Other investment use own savings.