She was probably taking the bus because of the apartment - after paying the rent, she probably didn't have the money for a car. In some big cities, paying to park can be ridiculously expensive.
Also, she was possibly drawing on a life insurance and/or pension from Andy's father after his death. Overall, while I thought the apartment was nice enough, I didn't really see it as being overly extravagant. But you're right, Hollywood very seldom shows people as broke as they would be in reality if they had the occupations their characters do.
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