We have had many years of not so good luck some brought on by our decisions and some just happened. We are both retired now and after 34 years of marriage we are on our own as we cared for my parents and sister until they passed. I always hoped when our time came where our responsibilities were not there anymore we would be financially stable and healthy. Things are not easy and we are praying for help in those areas. Thank you God for answered prayers according to you will. Amen