She must say， "Could I live in a little place in Italy， with Jack， and be lonely， have rather a bare life， but be happy？" If she could， then take her money. If she doesn't want to， don't try.
But don't beat about the bush. In the way you go on， you are inevitably coming apart. She is perhaps beginning to be unsatisfied with you. And you can't make her more satisfied by being unselfish. You must say， "How can I make myself most healthy， strong， and satisfactory to myself and to her？" If by being lazy for six months， then be lazy， and take her money. It doesn't matter if she misses her luxuries： she won't die of it. What luxuries do you mean？