She may really mean it. I think the question you should ask yourself is...how hard is she working on finding a job? If that is really her problem then it seems to me she would be putting all efforts into it. While I can understand her logic....if we wait for conditions to be perfect...we are going to be waiting for a long time.
I can actually see with my H how he would want to have a job before we worked on things. He was worried about it, and I think it made him feel like he didn't have much to offer me. However, like I said...with him it is always something.