DWCAP – I can see that just giving her a budgeting book would seem like a slap in the face, but she has actually asked for some budgeting advice from me noting that we live within our means and have no revolving cc debt, that’s the only reason I would even consider doing that. I like your idea of recommending a colleague. I might still give her the Ramsey book but also try to open the conversation that overspending might also be a result of some other issues (I think she would agree, she’s kinda hinted about it in the past) and then give her a couple names she could contact to explore those issues if she feels ready.
