I think she's being very unfair, esp with the guilt trips. And I'm going to sound very blunt here - its ok for her to keep the money and put you in financial difficulty is it? I guess she's entitled to half of the profit - but that still leaves her with 100k. That's a lot of money in anyone's book. Sounds like she's spending way over her means, but that shouldn't effect you and your finances.

I agree with Bonnie, wait to you have the money in your bank account before you decide if to help her. If she's in financial trouble, then it should be fairly easy to prove it to you. Then you may be able to help her learn to budget etc, as well as help her with money if you so wish to.

Good luck