Good luck to her.
I'm must be the only one that thinks she's got her (financial) head screwed on.
We live in a world where the value of work is diminishing: for many it's 'not enough wages to buy a house', 'not enough to start a family', progression within work is limited even if you excel at what you do, security is poor, education is no longer the avenue of betterment it once was and taxes are high.
Many of you actually have a certain aspect of working class attitude in that you believe many great things can be achieved with 'hard work'; and for today, for us, this is correct - but only because we have positioned ourselves in a financially rewarding industry but we cannot expect this of everyone. Anyway, this will not always be the case - hence 'plan B's'. Remember: the rich don't work. 'New' remember: the underclass don't work. Who's the fool?