So no, $70k/yr a year is no longer much money.
It depends on where you live. They don’t say what city “downtown” is, but I’m guessing NYC. So maybe 70K isn’t much. The average household income in the US is in the low 50s but that’s pretty meaningless. It’s enough to live very well in some places, and poverty level others. At least she admits a lot of their spending was frivolous, but I still don’t think I would hire her as my financial advisor.
OK. Good point about the cost of health insurance.