Abba_s “Getting married and having kid don’t come simultaneously unless you are expecting at the wedding.”
That’s not true if you marry someone who already has kids from a previous marriage or if you adopt right after you get married.
“Independent pharmacies require capital which you wouldn’t be able to get due to your and your husband’s college loans.”
The point is that she’ll be busy with parnassah. If her goal is to open her own pharmacy eventually, that includes doing the things she needs to do in order to get there. Either way, she is referring to Parnassah hishtadlus, so the specifics are irrelevant.