What Kate is doing with her life is not much a question of having money and options. Chelsy has more money than Kate and also has a life, which she uses to the fullest and takes advantage of her plethora of options. Kate has not capitalized on her options, if appearances are accurate. She could do much more than work at a buyer job, part-time, join a charity race and quit before the event.... She went to university but she doesn't use her degree or pursue further studies. She has options, yes, but she does not use any of them.
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