I'm secretly spending my wife's inheritance
What made you decide to spend her money behind her back?
Because she is too materialistic and would not be happy with my decision.
If she wouldn't be happy to find out you're spending it, then you shouldn't spend it. Stealing other's peoples money is not only a crime but this is your wife and you should always be honest with her or else she may want to divorce you.
I can't take this financial stress for much longer. I'll tell her about it soon.
You should tell her right away because spouses should be honest with one another. It's rude to be spending her money and not tell her. She will not be able to trust you and start keeping things from you or checking up on you.