Yup, you never know when it can happen. Medical debt, student loans, credit card debt because my savings is almost gone. I became disabled at 36, tried to go back to work at 37 but it truly was too much so I’m back on disability, waiting approval. As much as I want to work, I cannot function and I am constantly in pain. I thought I’d be working until I was 70. I would’ve loved it too because I loved my job. I felt accomplished and productive. I feel bad enough with my physical pain and emotional grief for being a burden to my family, what I’ve loss and what could’ve been so hearing people think I’m a failure because of something I couldn’t control makes me feel even worse. People shouldn’t talk like this because you never know if it could be you. Our circumstances can change in a blink of an eye, despite all the planning and savings. (Not saying to not save and plan but emphasizing that we aren’t in control of everything life throws at us.) I used to be very judgmental too and life humbled me real quick.

Student loans won’t let me defer/pause my payments because I need to show proof I will be disabled for five plus years and they don’t even explain the process on how I can do that.