Not sure what stage of conversion she's at, but don't get lost in the weeds before you solidify the big picture:
- Agree on a common goal (early retirement, enough savings so you can slow down at work, loads of assets so you can live like a King, etc)
- Set up annual NW/debt payoff/etc targets, and then start tracking progress. If you're +/- a few months, you're fine, but if you are behind and falling further behind, then review your budget and see how to adjust
Once you agree on the goals, then get into the nitty gritty stuff.
Others probably disagree, but if you are hitting your savings targets, and your NW and debt and whatever else are tracking reasonably well toward your goals, then stop worrying about it.
Being frugal is great, but once you've won the game, stop playing.