Had a discussion with the wife...

Yeah, I've got some in-laws like that. Too bad she quit her job, but the bottom line is it doesn't matter what advice you give her, she'll find a way to screw it up worse and expect someone else to come in and pick up the pieces. Sorry if that is harsh, I don't know her, just speaking from my experience.

Personal responsability is like underwear - if you don't have any of your own, don't try to borrow someone else's.