Does the "self-employed" turbo tax version allow to file taxes separately: my wife's now and mine later on? or does it have to be done all at once?

Yes, you can prepare your returns separately. Also, if you are using TurboTax Online, you don’t need to use the same version – this is only necessary if you are preparing your returns together. So if your wife only needs Standard, then she can use that while you use Self-Employed.

We do have Turbo Tax online (self-employeed). Do you mean that my wife needs to purchase the standard version to file now, and then I can still use the self-employeed version to file my return later on? The same self-employeed version account cannot be used to file in two different times, correct?