Wes

Move the writing to after work on bad days rather than dropping it. The stretching is time-of-day dependent, the writing probably isn't, and you've been treating them as one block when they're two habits with different constraints.

Put proportional splits on the table even if you end up at 50/50. "We each contribute the same percentage of take-home" is a normal arrangement rather than a favour, and it stops the higher earner's preferences quietly setting the budget.

Worth naming what you're decompressing from. Two hours of automatic screen time most evenings is usually a workload signal rather than a discipline problem, and if the day is genuinely draining then the evening is doing a job. Fixing it at the evening end is fighting the symptom.

Lead with the fact that you know they don't mean it badly. Not as a softener you don't believe, but because it's probably true and it keeps the conversation about effect rather than intent. Arguments about intent are unwinnable and beside the point.

Fair challenge. I think I like it once I'm out, but I have never once looked forward to it.

It was five a week both times. That's an uncomfortable amount of correlation.

The value is stored in the chain is exactly it. Switching to a weekly count this week.

Fifteen years is worth one direct conversation. People go through stretches where they're barely holding it together and the tell is exactly this: they say yes because they want to want to, and then at 5pm they can't. That isn't always what's happening, but it's common enough to check before concluding they don't value your time.

The one that doesn't require you to defeat yourself after a ten hour day, which for most people on your schedule is the morning, but only if you solve sleep. 5:20 with an 18:30 return means asleep by about ten, so the evening changes too.

If you can't move bedtime, go home-based, but restructure it so sitting down isn't the enemy. Change into kit at the door, do the thirty minutes, then the evening starts. The rule isn't "exercise after work", it's "nothing else happens before it", which is a much easier rule to keep than one requiring willpower at seven in the evening.

Third option nobody mentions: two mornings plus one weekend session. Three a week is plenty and you don't have to sustain a 5:20 alarm five days a week to get it.

Separate the two things you're objecting to, because they have different fixes: the key, and the drop-ins. You might be entirely fine with her having a key if she never used it unannounced, and fine with frequent visits if she texted. Working out which one is actually the problem makes the ask much easier to say yes to.

The poking-it-like-a-loose-tooth thing is worth watching on its own. Monitoring a relationship for signs of decline is a reliable way to manufacture some.

Matches my experience across a few habits. The decision doesn't disappear, it just stops being expensive and stops being interesting.