How to explain money management and personal finance to a grown adult drowning in debt who is not emotionally mature and takes every suggestion as an attack?

How to explain money management and personal finance to a grown adult drowning in debt who is not emotionally mature and takes every suggestion as an attack? For some background, the grown adult I’m talking about is my 30 year old sister. Ever since I can remember, she has been terrible with her money. She has 10 credit cards, and as of last month, they are all officially maxed out. In total, she has about $20k in credit card debt. She only makes minimum payments every month, and even still her total...

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