Is the wife sinful for refusing to travel to her husband who resides in Saudi Arabia – due to the husband's financial inability to provide accommodation – despite her ability to work to provide housing and living expenses?

Spending on the wife and children is the father's responsibility and a duty upon him, according to the consensus of scholars, if he is capable; he is sinful for neglecting it. As for the wife, she is not obligated to spend on herself or her child.

Therefore, the questioner is not obligated to work to help her husband with household expenses, and her refusal to work and travel under the condition of working is permissible. However, if she travels to live with her husband and needs to work, there is no harm in it, provided there is no Sharia-forbidden aspect to it.