How do I tell her?

So h9w do I tell my financially unstable, unorganized, stressed, relationship problem having coworker that it probably not the best idea to have a baby right now?

I have a coworker who is very open about what happens in her life. She just got off BC and is trying to have a baby. BUT. Her relationship with her husband is failing. Her mom is in stage 3 renal failure and she's planning on moving closer to her after her lease is up in 3 months. They had to push rent last month. She doesn't have health insurance so she wants to get government assistance.

Personally, I don't think it's a good idea.. but I don't want to come across as an asshole since it seems like common sense not to bring a kid into that situation. But then again she doesn't show much common sense in general...
How do I tell her?
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