She needs that $40 moisturizer, each of those four dozen hair products, and those shoes that go with everything, and she's not letting go of her overpriced stylist because that's the only person she trusts with her blow-outs. What she chooses to spend her money on is of no concern to you if the two of you aren't sharing a bank account. Don't tell her that anything she's purchased cost too much (even if it does)—unless you're her accountant.