Looks like I have taken the wrong train :(

I have been married for a little over a year. I knew her for 5 years before we married. When I say knew her, I meant we were friends and have kept up with each other when I joined the Navy. We started texting back and forth when we found each other on facebook. She flew out to see me a couple of times and right off the bat she talked about marriage. She had always seemed to have a good head on her shoulder. She is a CNP and has her own office. The last woman I dated did not know how to handle money. After 3 years I finally found out. Well.... come to find out a year into the marriage, my wife is over 100K in debt and she has nothing to show for it. This is tearing us apart. We have always had separate checking accounts because that is what she wanted. There has been all kind of mail in the past from many different banks and noticed that she would always throw them in the garbage without opening them. I have caught her in countless lies and when I show her the proof she continues to stick to her story and even changes the story some times. I never asked her to marry me. It is something that just happened. She had brought it up a lot and I finally just went along with it and the next thing you know i put the golden ring on the wrong left hand! Sad but true. From my perspective she will be very difficult to change even if she is willing. Like I said, She denies everything.

Has anyone here ever been in my situation? If so, how did it end? She is wanting to have kids but I cant let myself get into that kind of situation... We should have kids when we can afford them and not have to stress about providing for the family.