Does my iCloud account include family sharing or must I purchase a separate account for my wife?
Can my iCloud account be shared with my wife or must she have her own? Thank you. Yes
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You can share iCloud Storage with your wife if you subscribe to 200GB Storage option.
Your wife should have her own iCloud account and she can join you using Family sharing.
More info below:
Read here => Set up Family Sharing - Apple Support
and here => Share an iCloud storage plan with your family - Apple Support