Such dull advice. Why not ask this teacher how happy she is with life right now--and, most importantly, how much additional happiness could be created by spending more money? Probably not that much. Folks tend to value time and peace of mid over money, after a certain level is reached. And she's likely already there.
In that case, spend $12k on a good used car, keep on renting (Alberta real estate "could" go up, but hmm, it's a narrow-base economy that's struggling). Do the "4 over 5" or sabbatical plan to the max. Save a ton more, enjoy life, cash out (commute) the compulsory pension in 20 years and then invest it, start whole 2nd life if she feels like it. Or just create massive amounts of choice in her life. 
Because life ain't forever: check this calendar of your lifespan in weeks. Do you still want to work full-time to 65? https://waitbutwhy.com/2014/05/life-weeks.html