I don't think there is anything smug about admitting to being financially sound. In fact the lady may be comfortably off due to the loss of a spouse - as I became when my husband died - does that make me smug ? we don't know or wish to know her circumstances, but it was ever thus in life that there will always be the haves and have nots, and in most cases there is sod all we can do about it !
I've never liked listening to telephone callers, due to their gushing and praise all manner, - I rang in once, to ask the designer of Indigo Moon to put pockets on her jackets- it never happened. But not being a twatter or facebooker, Q should not consider texting a prehistoric activity as some of us still use it !