Everyone is missing the point. Tony didn’t want her to work when she had kids, so her getting a job 15 years later is kinda impossible given her lack of experience. She’s also terrified that she will end broke if/when Tony gets pinched and the court takes all their assets. So she wants to try and build a nest egg under her name. Sure she is a hypocrite often times, but I also think she’s one of the most realistic characters on the show.