Pretty decent.

Given her age I would perhaps move the proportions a little (70:30 or so—more for living expenses, and less for BTC). You're supposed to live nice and comfortably at that age!

And also, keep some of the USD bank deposit (maybe a quarter?) in physical cash. I wanna recall that you guys are in Venezuela so perhaps the banks (or banking infrastructure, in case you keep USD accounts in America) might not be entirely reliable