I'm going to tell my so she can't decide how I use all the money in my life
What makes you want to tell her that?
Because she is so stingy and unfair with money
While I understand her desire to discuss finances with you, which is normal, she seems to be taking it a step further.  You can't just tell someone else how to use the money that they earned!  That's controlling and unhealthy for your relationship.
Right! She's going too far with this.
Well, you need to remind her that that's your money, and you can spend it however you please.