Ask her if she recalls having a young child. No, it's not the same, but there are similar issues! Toilet training, night waking, can't leave alone, teach them to spend time alone without trashing the joint etc.
Lead training, recall, games, obedience, behaviour all require a lot of work.
Cost - food, treats, poo bags, toys, vets, insurance, worm and flea treatments, vaccinations, leads, collar, harness (depending on what she wants), day care if needed, kennels or homestay if she goes away without the dog, pet passport if she wants to take it abroad, car harness or boot cover, de-fluffing implements!!
Lie in are more difficult, as the dog still needs to go out - does she have a garden? Ours won't pee or poo in the garden - apparently she sees it as an extension of the house, so off limits for toileting. We have to go out for her to have a pee.
Can't leave her for more than 4 hrs unattended. We probably could, in practice, but we wouldn't do that to her.