All perfect praise be to Allah, The Lord of the Worlds. I testify that there is none worthy of worship except Allah, and that Muhammad is His slave and Messenger.
We advise you to keep your ties with your wife and do not divorce her if she is religious and keeps high moral standards. Disobeying a husband is forbidden and a major sin, and there are many lawful solutions other than divorce. Allah lays down some guidelines and steps to deal with a disobedient wife.
Allah Says (what means): {But those [wives] from whom you fear arrogance - [first] advise them; [then if they persist], forsake them in bed; and [finally], strike them. But if they obey you [once more], seek no means against them. Indeed, Allah is ever Exalted and Grand.} [Quran 4:34]
The divorce is a final solution; one should not seek it except when all other doors are blocked.
Know, dear brother, a wife should never be held responsible for expenses. Only a husband is responsible for all monetary expenses such as food, clothes and other necessities. In spite of this, the support of a wife to her husband in bearing monetary responsibilities would be a strong reason to maintain good relationship between them and to have a happy marital life. Thus, this is an advisable and desirable act in the Sharee'ah.
Based on the above details it becomes clear that if a wife supports a husband and considers it a debt, then he should give it back to her whenever she demands it, since it is a debt and she has the right to demand it at anytime.
On the other hand, the husband is obliged to repay her except if he is bankrupt. In such a case, she should wait till he becomes able to repay her debt.
However, if she helped him only as a contribution to him, then she cannot take anything.
Whatever the case may be, taking holdings of husband without his knowledge on the plea that she helped him is considered aggression on the other's property which is not permissible; so, she should give it back to him. At the same time the husband is obliged to give her back all that she supported him with as a debt upon him.
For more benefit on the steps to be followed by the husband in dealing with a disobedient wife, please refer to Fataawa 89480, 84120, 357901, 85402, 400900, and 83244.
Allah knows best.