I always say to her: If we don't need money, study and get better to work for your dream job.

We don't have kids but I constantly remind my girl of her independence. I would never want her to feel trapped or forced to stay with me, this also serves as a way to feel that she chooses me, willingly, everyday.

Plus she has a wallet that I cannot access (the same for me) to further protect independence.

In summary give a wallet to your partner if they don't already own one, the feeling of being chosen from your partner is way better than the feeling of having one.