Why does it depend on what she does with the money? The law says half of what is in the bank is his, half is hers - no statement of intent to spend is needed.
Legally it’s her’s to do what she wants with. Leave it to the kids or whatever. It’s the amount that she’s getting that gives one pause, well beyond anything she’ll ever spend on herself so can she handle it or at least get a good finance guy to handle it. How many Lotto winners have gone bankrupt after winning millions? I only wish I had that problem.