[obstacle1]

I know nothing about Jennifer or her lifestyle. But it is not that hard for a young, single person whose main activity is being productive to save up 6 months of living expenses.

Use of shared desks costs like $200 a month at places like Citizen Space, so it's not like that's a bank breaker.

If she had a family it would make less sense. If she were living a 'baller' lifestyle, drinking and partying every weekend, it would make less sense. But if she's an unattached workaholic, her life probably costs very little and no independent wealth is required.