Re: Joint bank accounts & trust issues
When I see threads like this, I have to ask myself, "Why would I squirrel away thousands of dollars and not let my spouse know?" Why do you hide anything from your spouse? Usually because either you are embarrassed about it or you don't want them to find it.
Just to get higher interest is crap, why would you split your money in different investments when the growth rate would be higher with more money in the higher interest investment? Sure, don't put all your eggs in one basket, but just because she didn't want to get your signature is a stretch.
To answer your question OP, yes I would be concerned based on what you have presented. How you move forward is up to you. But I would recommend more of a stealth approach till you know a little more. Try to get her to add your name to the account and see what happens. While in the mean time, start to pay attention to your joint account and see where the funds are going. I would start planning that she is going to leave you in the future based on what little you have written. Worst thing that happens is you get ready and she does nothing. Don't ignore the signs and your gut instinct or let her blow you off with ridiculous excuses. Your gut is usually right.
I learned my lesson from my first marriage about letting my spouse run all the finances. I will never have only a joint bank account again.