I don’t understand how they ran through their savings so quickly. At age 37, her 401K should have grown to about 1 years salary, or at least $100K.

Also, they would have had 6-9 months of salary in the bank, so that would have been at least another $100K if not $200K.

That means that they blew through probably $250K of savings to get to this point, in 10 months. Since the burn rate is only $10K, where did the other $150K go?