[tripods68]

I know someone who did not work for more than 30 years. She was a stayed home mom. She had it all, a good wonderful husband with good income and pension retirement. They lived on a modest suburban comfortable home. One summer day, the whole marriage started to collapsed. Eventually they divorced shortly thereafter. Long story short, she owed credit debt somewhere around $80K. Her divorced settlement paid off her credit card essentially. She had no money for retirement since she never worked at all. At 63 years old, she is now working so she can meet the 40 credits required to collect social security. Her kids are now grown but helped her very little. She eventually remarried but never able to capture the life she had prior to her divorced. It was a very sad how the whole thing unravelled for this family. Very sad indeed.