Whoa, just as I was about to comment, your response posted. Danger, Will Robinson! (Google it, I'm old, lolz.)
Thirty is a little old to be financially clueless. It's also a little old to only have 15k saved, IMO. Hopefully, she's started a retirement stache that you didn't mention.
This situation could prove to be a valuable insight into your future relationship. Can you two have a meaningful discussion about financial ́ssues? Can you learn about goal-setting and compromise together? You can either use this to expand your mutual financial goals and vocabulary or use it a canary in a coal mine. Yes, it is her money, but it's also your future.
ETA: Apparently I didn't hit "Post" before walking away from the computer. This was in response to #5, so now out of sequence.