How do I end this relationship and when?

I’ve been seeing a girl for about 10 months now.

She’s really kind and thoughtful. However there are just some deal breakers I’ve been noticing lately.

She’s just oblivious to basic financial responsibility and it seems her parents are as well so it runs in the family.

She just can’t save a dollar and when she goes broke or something is always showing up on her credit report as a delinquency or some high interest debt she took out to buy something stupid… which makes no sense to me because she swears her family is so well off but I’m feeling like that’s just a lie at this point.

From what I’ve seen wealthy people don’t make just blatantly stupid financial decisions for the most part. But it seems her parents always somehow bail her out because she said “if they don’t I’ll just use their credit card for everything instead”

I’ve kinda just hinted and not been mean about it that her financial decisions are just outright insane sometimes. I told her “maybe you should set financial goals for the future and really start budgeting, it seems like you have a bit of a spending problem”

She just goes “yeah good luck”

She’ll talk about wanting a new apartment next year and I kinda had enough of her dismissiveness about her situation. I go “a new apartment? How? You have one of the lowest credit scores I’ve ever heard of, who’s going to lease you a new apartment?”

She’ll go “I don’t know, I don’t know these type of things”

It almost seems like she’s 24/7 building shopping carts online and looking for things to buy.

I also notice a lot of inconsistencies in the things she says like she swears her father used to be the Mayer of her home town and I googled the guys name and nothing about him being a mayor comes up just that “he worked on town council for a few years and resigned because of his job being demanding” I called her out on it and said “your dad wasn’t the mayor. She goes “yeah he was” and I go “the actual elected mayor of the town. Served in public office and was elected as the mayor”

She swears he was but I’m calling BS.

I almost feel like I have to infantilize a 30 year old on things that are just almost common sense.

I had planned a vacation for us in 2 months with friends but I’m kinda just mentally checking out of this one now. It was a vacation with some other couples and all the other women going have a group chat and all this stuff with her about the plans.

Anyways I think I wanna end things but I’m not sure how to go about it, or when the right time is being the vacation plans a couple months from today