“Her practice is in a fancy area.”
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That being the case, she should be able to cash out at some point (maybe sooner than later) and pocket a lot of money.
She conveniently neglects that issue.
Someone just out of school is going to have to wait a while before she can "cash out". Also, she is probably working as an associate of someone else for a while to start off, so she may not have an ownership interest.