It's possible she wasn't close enough to her to notice how young she is and is only assuming how old she appeared from far away. The thing that bugs me so much about Jo is that the only way she gives out any information at all is by luring the MC into a date and having yet another woman in the story trying to seduce him. So she could be throwing out misinformation since odds are good she works for the detective agency that's spying on him and knows he runs the chance of getting lots of money. Either way, Lily wouldn't have reacted so badly to being called a name as simple as Dizzy unless someone had called her that before on a recurring basis and quite possibly in a derogatory manner. Since his dad was a complete asshole, he might have referred to her as that as an insult about her personality. If it wasn't her at the cafe though, the only other likely candidates would have to be elaine (but she wouldn't need to since she has a home computer), monica is the other but since she likely has nothing to do with the will she may just being pulling a fast one on the MC since her business is starting to seriously fail and wants to try and get her hooks in him for any inheritance he might end up with not realizing he'll lose it by staying with her and her daughters.
Replay the scene with her in the recent update and if you follow through correctly on the sex scene with her in the shower, she'll ride the mc and even tell him to cum inside of her.
How do you figure that exactly? All Surgeons are Physicians so odds are likely his dad would rather his healthcare provider be the same person that operates on him considering how wealthy he was. Since she says both of them are doctors AND surgeons while at her place then flips over a solitary word like dizzy just seems really off.