Let me help.
Try loosing your job, having to take a job 400 miles away because it was the only one you could find in 6 months of looking, even if you have to take a 15% pay cut, not being able to sell your house because its value has dropped about 20%, so you either live in a camper while your family (with four kids) stays in the house with no hope of being reunited with your family within the next 5 years due to the crappy home market.
That's not a made up crisis. It's all too real.
Glad I could help.
I know people who are having to make choices they never would have made five years ago - these are hard times for so many... You’re in my prayers Jotmo