Grocery shopping in NYC is indeed expensive. That said, Trader Joe’s is one of the cheapest places to shop if you live in NYC. Her grocery shopping there probably does save her money, except I think she takes Uber there? If so, that kind of cancels it out unless her Uber is free due to a sponsorship? Anyway, she eats out nearly every day, and yes, NYC is one of the most expensive cities in the world to eat out in yet it doesn’t seem to bother her one bit. When she had to make her own coffee due to the pandemic she went out and bought the most expensive espresso machine — about $1,500! Guess the whole point of saving money while making coffee at home is just not an issue for her. She also goes to the Upper East side to get her nails done — why not do your own? I wonder if retirement or buying a home are just not important to her, or she knows her parents will just chip in? She claims to split the rent with her BF, which is probably about $5,000 total or so (anyone know?) and with going out all the time, going away on the weekends, and shopping, her monthly expenses must be extremely high for someone in their 20s. Your 20s are the best time to save and invest your money, but she’s wasting it all away.