Then you have a stroke of luck in more ways than one. You didn't hit on hard financial times afterwards: you spouse didn't wind up disabled and neither did you.

Then you have a stroke of luck in more ways than one. You didn't hit on hard financial times afterwards: you spouse didn't wind up disabled and neither did you. You didn't have one of the many natural disaster dooms that plagues others and so on. You found a decent enough paying job after graduation instead of getting only being able to use it to be a department manager at a retail joint.