What do I say to her?

Do it now.

Seriously.

Can't afford the upkeep sadly, or deal with the immaturity.

I'm ideally looking at the 22-24 range now at least, I can't be covering every cost, not whilst I'm busy digging myself out of a financial hole I dug in my early twenties :p
 
Don't bother. Save some time and energy and just support whatever she does. She wants to go back to him and she probably won't listen to you. She will need support when it all goes wrong (if your assessment of this guy is in any way accurate) so don't abandon her either :p
 
Let her make her own mistakes.

At the end of the day, you will be the worst in the world once she does get back with him & starts telling him what you said.

Why make life potentially difficult for yourself, when it's her that needs to get her head straight & grow up a bit.
 
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