Just tell her you can’t afford it, which sounds like it might actually be true.
You mind answering what she does or where she works? How can her job be so stressful with all that time off? Four day work week, tons of vacation and flexibility, sounds pretty nice. Does she work ten or twelve hour days or something?
She works in case management for a FORTUNE 100 healthcare / managed care company. She works two 8 hour days and two 12 hour days a week. Here is one example of how things are stressful.
She handles extremely complicated cases. Cancer patients, transplants, premature deliveries with major issues, etc. Right now, she has a case involving an 8 year old boy who has some rare condition that essentially caused him to get a serious infection in his heart. He could not be treated in network, so she had to get him transferred to a specialty hospital out of state. Since that is a special situation, she had to negotiate a single use agreement with the hospital (with inflated rates since they are not part of the health plan).
The hospital had trouble treating him and had to remove part of his heart or he would have died. But he can't live without a heart, so he needs a heart transplant. He has a rare blood type so finding a match has been very difficult. And it's not like people can donate a heart, a kid needs to die and be listed as a donor.
The next issue is that you have to be a good candidate to receive a heart if one becomes available. Eventually the kid got well enough to be near the top of the list should a heart become available. In the meantime, he has been on a machine to keep him alive until he gets a new heart.
A few weeks went by and the kid had a relapse. The doctors were able to stabilize him, but his condition left him no longer able to meet the criteria to be on the heart donor list. Of course with him no longer on the list, a potential match became available and he wasn't on the list to receive it. After that she filed for exemptions and exceptions to get the kid back on the list, which she was able to do. Then he had another relapse but no heart is currently available for him.
The treatment team is running out of options and they are going to have to tell the family that their son isn't going to make it. At this point, the doctors don't even feel he would survive even if he got a new heart and they feel someone else would be better served than he would be. They are giving it another 24-48 hours and then are going to have to tell the family they did everything they could and let the boy die.
That's the clinical / treatment side of the case. Now we can go to the the internal operations side. Each case gets Finance involved to allocate financial resources and determine cost expectations. From the beginning, Finance started asking her to submit cost projections for the boy and requested an accurate number of days he would need to be in the hospital. She said tell her when he could get a heart because that would determine what would happen cost wise. They didn't get it, so she said if they don't get a heart he could be dead in a week or he could find one and be in the hospital for 6 months. They didn't like that either. Every day they call and harass her and every day they have the same conversation.
As the case dragged on, the cost eclipsed $1 million, so Finance and Auditing came to town and made her go through a line item cost audit of the case. She needed to justify why they were spending so much money and when were the bills going to stop piling up. She again explained that healthcare involves care to keep patients alive and it ain't cheap. She also had to justify the single case agreement and the cost structure the hospital was charging. They didn't like the rate they were paying, but it's not really something that she had any control of.
So at this point it's a lose - lose all around. The kid is unlikely to survive, the family is grief stricken, her company is making her life miserable over the situation, and the costs keep mounting and they are complaining that too many cases like this one and no one will be getting any bonuses And that's ONE case of many. So yeah, I can see how she finds that stressful.