This OP reminds me of JP Morgan CEO Jamie Dimon's recent Congressional testimony. He was willing to personally help an entry-level JP Morgan employee cinch that belt up tighter to budget her money more wisely.
The D Man also suggested that regardless of her current financial straights, the result of a ridiculously insufficient salary, with the right amount of bootstrap pulling she just might have HIS job one day.
Well, we all know the real problem for the working class: budgeting.
Someone needs to hurry up and tell this lady about the one, single trick to financial success!