If she is that bad with money, you might recommend she take a Dave Ramsey course. I took one, and although I don't agree with everything Dave Ramsey proposed regarding managing finances, it helped me a lot.
But most people by age 40 or so, have wised up about finances. Or at least they should have.
I have a friend who is 60 now and still spending herself into debt, bankruptcy and has had two home foreclosures recently. She always buys very large homes, even though its just her and her husband. She shops in the best stores only and spends hundreds of dollars each time. She's always broke. I think its a mental health problem with her. She was constantly using people and I cut her off finally. She could be kind and generous, too, but overall it was too much. I was tired of helping her out.
I would think chiropractic is a good occupation where she could earn money to finance her lifestyle. Sounds like it hasn't worked out that way.