LM, I decided to reply separately to your post since it raises some good points that didn't really fit in my previous reply.
This is just my perspective on this, take it or leave it. (I don't have my spell checker set up yet so bear with me please.) It seems to me that you feel, believe that your wife's main interest in the marriage is financial. So you feel used (abused) by her as being nothing more than a money bag to her. If this is correct that this is how you feel, have you explained this to your therapist?
I believe that my wife is operating from an immature point of view and looks for someone to take care of her. (I recognize this in myself as well.) Money is one aspect of that. I also believe that she spends to feel more in control and powerful.
I have a lot of thoughts on your situation so I'm just going to express them. You both were young and damaged when you were married, and this marriage was precipitated by a pregnancy. As can often be the case in such a situation, one person is avoidant of intimacy and the other person is desperately seeking intimacy.
Yes, not having any couple time at first when getting married may have been the death blow to an already at-risk relationship. My wife went straight from momma's little girl pampered at home to expectant mother and wife.

I also think intimacy is something one must first experience with oneself and God and only then are they ready to experience it with another. Also another person is not capable of totally fulfilling our needs of intimacy and because of that I think that one's primary source of intimacy has to be between oneself and God. I think this is what you need to understand in order to avoid getting in this situation again. I would also be cautious with looking to your parents for "support" at this time. They did not adequately support you when you were younger and I don't think their support would be actually helpful and possibly a detrament from you actually dealing with the childhood issues that brought you into this situation in the first place.
I think that feeling connected to God "no matter what" is what is enabling me to grow after many years of stagnation and numbness. I agree that this is an irreplaceable element in not repeating mistakes of my past. I'm sure there is more I need to know and grow than just that.
When I say that my parents support me, I mean that they listen to me (though they sometimes seem uncomfortable) and tell me that I will always be their son and will always help in any way if I need it. I do not get the same kind of deep understanding and support and love that I get from people here.

I believe they are doing their absolute best and have seen them grow over time. Its enough.
I believe your wife has been successful in fulfilling her unhealthy needs of avoidance of intimacy and you have been a participant of this for a long time. I'm going to talk about this a little more at the end of the post.
Given her past, it makes sense that she might panic at the prospect of intimacy, too close to enmeshment. Obviously, my fear of abandonment and childish "not being able to take care of myself" has caused panic that kept me from leaving.
I agree with your therapist that the discussion you had with your wife concerning the budget was not an example of poor communication but instead a normal healthy conversation. I did not find your wive's comment of "Was the car work an emergancy?" to be totally out of place. Yes it was a bit of a dig, but even normal people do these things and so I don't find that this was totally out of the scale of "normalcy". I also think your comments that she "interupted" you with the comment were a bit out of place. A husband and wife who are DISCUSSING things don't interupt but contribute to the conversation and if you view her contributions as "interuptions" than I think this is a problem. If you don't want her to be a "little girl", be careful not to treat her as one. At the same time I understand your frustration with her lack of concern in the past with sound financial planning.
If this were an isolated incident, I would agree with you to some extent. Maybe not great communication, but not terrible either. When my wife is not blocking comminucation, she primarily communicates with me through digs. She deflects discussions about her issues by trying to prove that my issues are worse, so therefore she was fully justified in whatever she did, no matter what it was (Rather than discussing what happened and being curious about it and making adjustments to be happier). I believe her reason for bringing up this topic in the first place was because she believes that I was wrong and wanted to "prove" it. Also, I have many years of experience with her interrupting, snorting while I talk, rolling her eyes at me when I talk, telling me "That didn't happen" so she can justify refusing to discuss things, etc. She seems to have a strong need to deny or invalidate so that she does not need to be aware of her feelings and behavior. The original point I was trying to make with that anecdote was that regardless of my feelings, I was able to NOT react this time and handled that situation way better that I would have in the past.
In my ideal relationship, we would each listen respectfully to the other, without trying to find ways to deny the other's experience. No interrupting, no denying, no disrespect, no trying to find ammo to use against the other, etc. (Yes, both of us, including me.) I believe that many times she denys my experience because she is too afraid to even be aware of, let alone share her own. (No matter how willing I am, I can't hear her if she chooses not to talk about it.) She could respond to my experience with anything from "Oh, Ok," to "I don't care," to "I'm sorry that you felt hurt," to "Grow up!" to "I'm sorry that my issues are effecting you." She would not need to deny my experience, she could offer her own, even if that's "I didn't realize you were upset," "I don't remember anything happening, but tell me what you experienced," to "I was in a bad mood and took it out on you!" (Methinks she doth protest overmuch that
nothing has
ever happened in our relationship where she was in the wrong.)
Growing up, my wife was emotionally overrun by her mother. My wife felt she had to keep her mother literally alive by supporting her emotionally with people problems and her black sheep brother, submerging her own needs and personality to be at her mothers instant command, always listening to the same stories over and over (brainwashing), always sacrificing her own wants and needs to be ready to meet her mother's, avoiding her mother's guilt trips, telling her mother how to pay all the bills at 8YO

. My wife learned that the
ONLY way to take care of a relationship is to give yourself up and say nothing. It was only about 6 months ago that for the first time in her life she actually realized that I am NOT her mother and am NOT "exactly like" her mother. Unfortunately part of her knew all along that I am not her mother and I was not out to dominate her like that. So, she let all those years of frustration, hurt, loss, and rage out at me. Then, to preserve the relationship because she still feels like that little girl, she either dissociates while she does it or suppresses it and denies that there ever was an action or reaction from her. It the last part that prevents her from even being aware of what she does or how she feel, let alone to ackowledge it and work through it. Fundamentally, I believe that my wife does not comprehend the concept of a relationship between two equals. She was raised to believe that
EVERY relationship is a power struggle and you are either the one-up in control or you are the one-down victim. Growing up, she always had to be the victim. In that role she is the martyr, just like her poor suffing mother. She does not speak about anything and keeps her silence to "preserve" the relationship. When she switches to the other role, she feels power and control, but also such fear and shame that she either dissociates while she does it or denies it afterward. I hope that one day she will wake up and realize that whole flawed viewpoint is her mother's doing and just take her own power.
I think the idea of a belated Christmas gift of money for the two of you, after suggesting an aniversary gift of money is not within the scope of "normal" considering the situation of your marriage. It makes me think she wants money right now for something and I would be intent on finding out exactly what is going on there concerning that. At the same time I think I would make it clear to her that you feel that she is only interested in the financial aspects of the marriage if this is how you truly feel and let her know that such suggestions on her part tend to make you feel this way. I would definitely bring this up as an example to your therapist.
After everything else going on in therapy, I don't really see a point to bringing this up in there. In another setting, it could be absolutely innocent. There are a couple of the reasons I believe it is about the money for her, at least at this point. First, when I started waking up, I asked her if she could find even a tiny spark of respect or care or tolerance for me (never mind like or love!). She said she could not, but didn't want to get a divorce because she wasn't miserable, but also not really happy. After I told her I wanted a divorce, all she could talk about was money and made angry comments to me like "Must be nice to have all the financial power!" Never mind I workd my butt off for 20 years to get that power! She didn't ever seem to realize things like that.
Back to your wife's avoidance of intimacy. I'm not really sure you are at the point of being ready to give up this relationship. Your teeter tottering gives me this indication. Are you sure you don't want to give it one more all or nothing chance? If you don't that's fine. If you do I think the both of you need to get serious. She needs to stop leaving the house and the two of you need to start doing things together.
The back and forth is what I wanted help with in therapy.

I have given this many, many chances. I get none of my emotional needs met in this relationship and instead have to find ways to protect myself from it and places to get refilled to be able to withstand it. I at least want to have the possibility of a physical and sexual relationship in my life at some point. My wife has not been able to discuss this AT ALL for at least the last 10 years!
I have to say I'm a bit concerned with the dynamics of what is going on in your household now. You and your daughter going out to dinner, watching TV together, etc, while your wife is out who knows where, doing who knows what. Seems to me that you and your daughter are doing husband/wife things while your wife is out doing teenage girl things. I think this needs to stop for everyones sake, including and especially your daughter's sake. This is not normal. How does your wife and daughter get along? Do they go out alone together ever? If your wife and daughter also spend a lot of time alone together I retract all that I have said here concerning this and what I am about to say. If your wife and your daughter don't spend much time together and you or your wife aren't willing to put a serious effort into your marriage (by her stop going out alone and the two of you, you and your wife doing things together AND the three of you as a family doing things together) then I strongly suggest you and your wife AT LEAST seperate until you decide what to do so as this what appears to be an unhealty dynamic with your daughter does not continue.
Actually, due to her work schedule, my wife spends a lot more time with my daughter after school. At least she did until my daughter got her license and car.

Due to my work schedule and my daughter's busy social life, I usually need set aside time with her in advance, like for dinner.

Last night, she was getting ready to brush her teeth when I walked by and we started talking. My wife was already in bed and my daughter had just gotten home from being with friends. I ask her some questions about how things are going at school and the latest teen drama. She tells me and I validate her experience. I try to slip a lesson or a suggestion in every once in a while (its a dad thing). I tell her I love her, give her a hug, and that's it. I don't believe that there is anything unhealthy going on with my relationship to my daughter (could you be projecting? Seems like a lot of that going on here the last day or so).
I hope this doesn't come off as too critical and again this is just my perspective and I'm not in the situation so I can be way off on things.
Even if you were critical, I wouldn't take offense.

I like good questions, they make me stop and fiure out what I really believe.