The assumption is that her salary will continue to go up, even though all economic signs are telling us otherwise
This is a terrible assumption and kind of reminds me of the one guy I knew in college who went on to become a professional NFL player. He spent as if he was always going to be making millions a year even though it is well documented that most NFL players only make it a few years, maybe 10 at the most. yet he got involved in financial decisions that were based on him making millions in perpetuity. He went completely broke and actually briefly had to move back in with his mom.
I feel like many financial advisors, particularly if they work for a bank, are actually there to intentionally screw you over.
unless you owe at least 16% of what you make in a year, you are not financially sound!
This is just one of many examples of the university education system being part of a larger brainwashing campaign. I'm with you when you do a rare ALL CAPS and say that that makes zero sense to me as well.