I wanted a newer car, so I rolled my existing auto loan into the newer vehicles loan. So easy right?
I was upside down on it for years and years. It’s so disheartening to drive a vehicle that’s falling apart and stranding you everywhere but still owe $10k on it. It was an awful decision that took years of pain but that was my lesson on buying things I can afford.
Unless there are some circumstances that switching will protect her then no. My opinion of course. I learned a long time ago that nontechnical people, young or old, need to value and want to use the tools or it will only cause frustration and less trust in your opinion on other things that may be more critical.
You can explain why something is better or worse but let them make their own choice without being pushed or they won’t be invested in the change.