Just see a doctor and get your ears checked. Best to eliminate any other potential causes than tinnitus.
And if it is tinnitus? Well, tough, but there are ways to learn to live with it. Staying focused helps me. I listen to music or podcasts while doing hobbies and at those times I don't hear it at all. Tinnitus is just a sound, and like any sound it can be ignored. It's like if you're having a conversation with someone, those are the sounds you hear. You don't notice the sounds from other things so much, like cars, birds, footsteps etc.
It's hard as hell at first, but it gets better. And if you end up with permanent tinnitus, your wife is just gonna have to learn to deal with listening to some rain or something at night. It's that, or your health deteriorating. There are pillows with sound and such you can get, but really expensive compared to just playing a 10 hour rain sound on spotify.
Also, I'd like to recommend you an app. Resound Relief. It's made by tinnitus experts and it allows you to put together your own sound. Add in rain, cicadas, some relaxing ambient music, white noise, brown noise, and just find what works best for you. It might mask your tinnitus completely.
However, it's important to turn it down a little. If the background noise is louder than the tinnitus then you can end up getting louder tinnitus. You wanna still hear it, but have something else to focus on to help you ignore it.
One more thing. Relax. Very important. You sound very stressed, and I don't know if you deal with a lot of stress generally or it's just this, but stress is not good for tinnitus. Stressful days make it worse. And it's faster to build up tinnitus than to decrease it.
So do enjoyable things, make sure to have time to yourself. Listen to some music you like. Have a glass of wine. Even meditate. Whatever works for you.
And go see the doctor.