For first @ Author of thread post
1. You are forgetting that initially you were agitating of her education - working etc. and later getting influenced by MCD and financial wizardry. In my opinion it will not bring in relief to you as dreamt if plain vanilla MCD - maintenance wizardry worked out without a strong first mover case. Hence;
2. You should pay attention to @ Amol Chouble’s sound advice since your marriage is not yet 1 year old hence first file a case under S. 415 r/w S. 417 IPC citing education - working condition frauds r/w not enough s*x in marriage which co-jointly talks of fraud r/w cruelty in your marriage. The wordings in suit matter should be discussed thoroughly with a hired advocate whom one can found via reference.
Reasoning: If you go back to page 1 of your post you mentioned to us like you had certain conditions set for a marriage i.e. educated and working lady required and marriage took place under fraud (misinformation) and had you known before that such conditions to be missing you would not have given consent to the marriage and secondly the impossible condition put later by wife i.e. not to ‘consummate’ marriage for next 2-3 years wherein you have to state firmly no consummation after discovery of fraud took place between couples and since not enough s*x in marriage it is cruelty to young couples for addendum fact a spouse may tend to condone the conditions of education etal if s*x provided at resonable intervals in marital life but that was also missing is it not right to say so reading down your brief and recently few HC’s have granted husbands prayer due to almost negligible s*x in young marriages of couples. Now, let her say she was educated and worked since birth and consummated daily 2-3 times her marriage etc. The moment such allegations put in suit matter family court seeing marriage young will send parties for mediation again and again and there you keep constant dig in your stand but side by side show inclination for mutual consent with zero alimony as you have high chances for success provided above application put in very soon.
3. In family law matters when such first mover advantage taken by husbands it is obvious wife’s side goes for 'counter blast' as they have to show to society they keep that she is inncoent spouse amidst all these ! I am not sure if your wife / her side will or will not take counter blast and even if so then same can be shown as 'counter blast' due to you filing above advised case first and easily AB or Bail for self / family can be availed of. Just thinking that she will do this and that one should not loose sight of better grounds available to first mover spouse where actual purpose to end all thsse via MCD route is also solved instea dof filing MCD first go or above para advice first.
For second queriest @ Author in same thread post
1. I see in your query incompatibility - cordiality gap widening since just after childbirth and for the same it is better to seek help of marriage counselor than opt in for divorce / maintenance.
2. For seeking such help you may file application in family court for Judicial separation and the moment one files such application in reference facts case the family court feels duty bound to send couples jointly for number of marriage counseling sessions.
3. See if such marriage counseling works for a better tomorrow and a marriage gets saved due to fact the childbirth is very recent and roaming in various court corridors is not advisable for a young working mother and after childbirth many husbands loose interests in their wife vis-a-vis young mothers also undergo harmonal changes which colly put are also no as such grounds for seeking divorce. It is nature playing its course for genders simply put that way.
4. Failing which one may still press for judicial separation and maintenance for minor which will be decided on co-extensive (jointly paid by working parents in proportion) formula and you may not get maintenance as you are shown to be a working lady.
5. Regarding your and his money clubbed and put in your account which I think is jointly operated and unilateral household spent and thoughts of my share is more than his or he is saving and forcing me to spend all from mine are some of the daily issues faced by couples which are easily tweaked in marriage counseling sessions as in many similar cases experience says couples gained great amount of insight on better household and personal conjugality management skills. Regarding sleeping in different beds and overhearing MIL whispers – making fun of DIL etc. etc. are all usual gossips filling the air and happens when one who is weaker feels exasperated end of the day handling multi tasking situations such as recent childbirth, lack of copulations between spouses r/w travails of two working spouses egos - compatibilities issues and living under traditional housewife MIL’s watchful – nagging - controlling eyes - leaving newborn in MIL's care as not much choice there etc. etc. are very common irritants for empowered DIL and adjustments needed by all parties and may be MIL should also be involved in one or two marital counseling sessions is my addendum view to your facts.
6. Think about the whole realities you are facing and act then by hiring a advocate found via reference and stick to civil proceedings mostly. Within limitation period after passing Judical seperation decree one may seek Divorce. One can have judicial seperation while living under same roof just like what is currently you both are facing so not big difference except s*x will be barred once such Order gets passed. One may also think of handling post Judicial seperation decree situations if opted for living under same roof as that will give rise to more hostilities. These are some of the greater issues one may face in due course of time hence caution is first advise rest I am sure you will do as yoru heart says for which we work on client instructions based is all one can resonably say for your query:-)