As I've mentioned before, in my experience
, when you sign a book deal you usually get some of the advance on signing, some when you hand in the draft, and some when it's actually published (hardback and paperback). Then you get royalties once you've "earned out" (is the publisher has sold enough to cover what they've already given you). So even though the top line number might sound impressive, the sums you get at any time are smaller. And if your book doesn't sell, then you won't get additional royalties and might not get such a big advance next time.
She is simply terrible with money - double, triple, quadruple dipping into her pot for treats any time she gets paid for something and then wondering why she feels skint yet is surrounded by so much spenny stuff she even has to lie about or hide.
In no universe should she be a spokesperson for thrift and budgeting - when Jack wants, she shops. And then she lives on slops.