I agree, I can't see how her income from YouTube alone can be completely funding her lifestyle. Maybe we are underestimating what she's earning, but she said herself that she's earning a lot less now than when she was in her 9-5. Added to that, her channel is not growing at all. I'd guess that she's actually losing viewers at this point. She is simply not as enjoyable to watch as she used to be - not since she adopted this OTT YouTube persona she has going on.
I've mostly stopped watching her vlogs now, along with a number of others I would once watch weekly. I find that after six months to a year I start to lose interest when content becomes lacklustre, repetitive and then everything becomes an ad. It's a shame, but it seems to happen with most, if not all, YouTubers I've watched.
I enjoyed Jess Harris for a while, but lately I've been losing interest in her vlogs and just not enjoying them as much as I used to. I also noticed her tagging that Beyond Nine brand non-stop until she finally got a freebie. Mission accomplished. Yawn.