Before giving up on her, I think it's worth writing her a letter that outlines the best and worst case scenarios and the choices that are hers to make. It might be helpful to have a document that she can reflect on later, perhaps when things are going the way you predicted, and when she is more ready to hear or see your POV. The tone of the letter should not be threatening but should make it clear that the outcome is her responsibility and that baling her out is not part of the FIREdreamer financial plan, because it doesn't need to be. If she doesn't believe you, she can get an independent review.