So what have we been experiencing since 2009? Great Depression II?
I'm also trying to be nice about this lady, but she had her second kid at age 21? Not usually a formula for success, unless you're married to a guy who can support you. And I applaud her 17 years of working in a job, but she should have a pretty nice nest egg saved up by then, good insurance for her sick hubby while she was working, fully vested retirement, and a paid off house after 30 years (lots of equity/value even if the house has lost value).