<p>Don’t tell her what to do. Ask her what she thinks her options are, and which of those she’d like to explore. Telling her that she needs to consider new options will just make her mad because she doesn’t want anyone telling her that she is making a mistake - would you?</p>
<p>Instead, sit with her while she looks at the numbers, and help her try everything that she can to make things work. Maybe it can work. However, if you are correct (as I expect you are) that it won’t work, she needs to come to that conclusion herself. She isn’t going to change her goals until she determines for herself that this original plan is not functional.</p>