Mut’ah marriage is not allowed with atheist or Mushrik unless and until she believes in Islam or a holy book like Torah or Bible (to be from People of Book). It is not only reciting the Kalma but more importantly believing that No Gods but Allah and Mohammad is His messenger (to be a Muslim), or believing in Judaism or Christianity to be from Ahl al-Kitab. With out that, the marriage is invalid.
Walima or wedding ceremony is not a condition in consummating the marriage as far as the Nikah has been properly recited between them. Husband and wife are free to consummate their marriage or delay as they wish. Husband should not force his wife on consummating the marriage if she has a valid reason to delay that like health reason. If she is passing her menstrual cycle, sexual intercourse with be not allowed during menstruation. If there is no valid reason to delay and the husband needs to consummate the marriage, his wife should not refuse or delay.
When both of them are happy to delay consummating the marriage, there are free to do that.
This topic has been addressed a few times in this platform, and I recommend you have a look at previous answers.
Financial independence is not enough for her to not need consent in doing mut'ah. Please refer to the details of this.
Of course, besides the shar'i side of this, one must also look at the social implications, and it is very important to observe what would be good for her and her future.
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