There's a lot that can go wrong for a family that can at least be softened if the mother has a career that she can go back to if she ends up needing to support

There's a lot that can go wrong for a family that can at least be softened if the mother has a career that she can go back to if she ends up needing to support the family, and in our economy, that pretty much means going back to work at least part-time within a few years of giving birth. The friend I worry about the most: mom of 4 who had her first child a year after getting married straight out of college, and has never lived on her own or worked a job that could support even a young single woman, much less a family. I trust that her husband, being a well-paid financial planner, has a big life insurance policy and very good disability insurance, but what if he gets a wild hair and runs off? She was our high school valedictorian and had good grades in college, but would be absolutely lost if she had to support her kids, even with the relatively meager child support she'd get.