W then IM'd me to let me know she is being sued for some credit card she owes $7k on and wanted to know if she can use the law firm I use for stuff
Aka, "just wanted you to know I'm in financial dire straights if you want to volunteer to bail me out." If this is a hole that she entirely dug for herself, then don't bail her out. The hard part is that when someone is looking for help, sometimes just offering sympathy and helpful advice is kind of aggravating to the one wanting help.
In the end, it's not the years in your life that count. It's the life in your years. Abraham Lincoln
It is hard to fail, but it is worse never to have tried to succeed. Theodore Roosevelt