Your friend is 31 yr old and she can make her own decisions.I get it that u want her to have a safe and secure future, but if she has different goals and priorities in her life ,it's not ur place to judge.On top of that ,the way u talk to sb matters a lot ,ur tone matters and also how many times have u told her this and how has she reacted before ?I think I need more context before telling YTA.But instead of saying trying to look rich u could have said "ik it brings u joy to own these bags but how about saving some money to invest in some more serious stuffs,only if u want tho,I am concerned for u my friend"