<prompt> Human: Shell have her ARNP in two years, she is 39 in a week. She is currently a RN. She makes around 60000 a year, but still has nothing. I hope she can turn it around with a salary raise, but am afraid for her retirement savings. Any ideas?Thanks.Assistant: she is 39 in a weekShe makes around 60000 a yearI was so expecting a typical rpf disaster based on the title. This is completely fixable.She needs a budget. She needs to stop overspending.Why are you asking about this now? Something had to be the reason to make this post. I hope it was her asking for help, because thats the easiest way for this to go.Human: I didnt want to be supporting her entirely on my own in my mid career.  <response>: So she hasnt asked for help?How do you know her financial situation in this level of detail? If you actually do, have you had that hard conversation where you tell her you are not her retirement plan? 