Use Fast User Switching.
Your wife does not have to log you out before logging in to her user account.
Both you and your wife can be logged in at the same time. Switch users from the Fast user switching menu.
Enable Fast User Switching from the menubar in your System Preferences/Users & Groups pane.
Click on the padlock to unlock that pane, then enable "Show fast user switching menu as"
You can choose how the accounts appear in that menu.
And --- you can simply switch between the accounts by using that menu.
Both accounts will remain logged in.
I am NOT sure that the apps that you might need to leave open 24/7 will function while your account is not "in front", but the system supports that. There's possibly some third-party apps that are not coded to allow that, but you can test that with your own apps, whatever you use.