I had the opportunity to speak with Mrs Young a few times during the Sacramento Challenger (she remembered me from the year before). She is DY's primary coach and she is also his guardian (since he was underage until recently). They do get help from the USTA but its usually a coach that is also at the same tournament and it has varied throughout the year (which is confusing, I'm sure). I beleive that David Nainkin was assigned to him in late Spring, but David has not been able to travel for a while for personal reasons.
DY's father stays at home in GA most of the time to run the tennis facility that they own. It's a large job I'm sure. As for the (cynical) money comment, they have an agent, Mrs Young handles the management and coaching, and they get help from the USTA with additional coaching. They pay expenses for 2-3 people each week they are on the road, so yeah, I can believe that they are keeping an eye on their family finances. Seriously, if you were a pro in his position, how many people do you think you would have on the payroll?
As for her credentials, she does and did play tennis. I don't know what level she is or was at, I never asked. But she knows his games, she knows his moods, and she knows how to handle the chaos around them (lessons learned the hard way, I'm sure). Yes, she is protective of him and she should be, as would any mother, manager, or coach with a young prodigy. There was a time last year when he almost quit playing because the pressure got to him, but he decided that he really does want to be out there. I can understand that Mrs Young wants to take whatever precautions she can now to make sure he does not become a burnout. More power to her.