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Your mom had you at a fairly young age. So she probably spent a large portion of the part of life when you figure your shit out raising you and any siblings you might have. And if she's always had someone to provide for her then maybe she's a little naive about the cost of living and going to school and such. Maybe your mom needs to bounce from one thing to another for a while till she figures out what she wants, since it doesn't sound like she's had that yet. And maybe she needs to be slapped in the face with reality about things like money by screwing up a bit, kinda like a kid. Just try and relax and be supportive, and try and help her do what makes her happy, without forcing financial advice on her. She'll come to you when she needs it, i'm sure.
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