If she isn't going to hit $30k then the GST is a moot point.
As far as disability coverage she'll want that in place asap. It is income based, so the sooner the better...might be almost impossible now that she has given notice however.
I would also advise her to run into the banks immediately and get as much credit as possible based on her current income. As soon as that business is up and running the banks are not going to advance credit for the first two years....better to ask for the money when you don't actually need it.
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