Well in your examples, Im all for girl #2....but not all of us have such luxuries. Dont get me wrong, I've paid for school and some other 'investment' type things with this $$. But personal circumstance has it that my massage $ pays for some large bills I have. And my regular job pays my rent, my Rogers, my cell, food, etc. That leaves little for savings.
Money management is KEY in this biz, I tell this to new girls ALOT. dont blow it on vacations and LV's latest purse. Pay for school, buy a house, pay off ur OSAP, feed ur kids, etc....