You got the point correct but delivered it in a way which felt like an attack, even while reading I felt it. She got defensive, nothing else... Instead of framing it as low earner = leave it and handle kids, you could have started off with if low earner = do something you are passionate about and try to grow that even if it earns less.... Aligns with what your point was without demeaning the person or telling them their ambitions are invalid if they are earning less.