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Actually, no, she hasn't. People who start with 1) excuses (I have bills to pay) and 2) jealousy without asking 'what is she doing different that I am not' has not, in fact, said she wants to change things.

It's not about Kim's, or anyone else's ability to help. It's about the recipient's ability to learn and get past their issues. This is largely emotional. Hence why intelligence, working ability, education, etc do not have a direct relationshp to investing. Buying a house is relatively easy...

The thing about timewasters is that while they're asking about property investing, etc. they actually have one or more irrational reasons stopping them from ever doing anything about it. You could explain everything about insurance and cashflow and historical growth or whatever, and in the end...

The default would be to buy a ppor and just pay it off asap. If she talks about 'but how about an investement property', give her the names of a few investment books and see if she reads them. If she can't be bothered reading them and just wants to ask questions, she'll only waste your time.