Oh please. She’s 41. Just work until “normal” retirement age.
Worry not—all will change when the Big war hits! The draft will take out all young people, men and women, factories filled with illegals will fill the land. Rationed food and energy will open new opportunities for all. Money will be plentiful and lots of new jobs. Hospitals filled with people.
Cemeteries will need to be built, oil drilled in national parks to feed the war effort. Prisons emptied for soldiers, gangs enlisted for shock troops (Cannon Fodder). The borders closed to keep Americans from fleeing to Mexico rather than be drafted. It will be a glorious time! Much we see as normal now will vanish overnight—no more internet. Patriotism in style again. Religion will be more important, especially when Alaska falls to the Russo-Sino forces as take Fairbanks and move on Juno. A few A-bombs will end our homeless problems, Militia groups will end looting. After the Battle of Los Angeles, the President, Kamila Harris, will have to sign the surrender on the Deck of the USS Missouri in San Francisco Bay. America will start a new life as a second rate power. Boy, I hope I am wrong.
She could still have a baby of she gets busy.
Although not in debt, I didn't start saving for retirement until I was 40 - I'm 65 and have put together a nice nest egg in 25 years.
She just needs to stop doing stupid stuff.