It’s one thing for you to know that your lifelong friend has a fundamental misunderstanding of a financial topic. It is entirely different for you to intervene and point your friend in the right direction.
Peggy K handled it just right. She knows that she isn’t qualified to specifically address the fact that her friend was on the wrong track. Yet something needed to be done. Her friend didn’t understand Late Enrollment Penalties, but once explained, her friend realized that she needed to address this, even with restrained financial resources. Murphy’s Law would’ve run amuck, if left unaddressed. Peggy K effectively stopped that from happening.