In her fifties with student debts and a seemingly dependent husband she was doing brilliantly. Hold on until she gets a better grade. I'm sure she applied for a lot of jobs and went with the bird in the hand.
I'm reminded of back in the 90s I backpacked through the US. I was staying in an international hostel in central SF for a week. I had noticed this black guy who had an old BMW and dressed as a rapper/music guy about the place. Quite a larger than life personality. I was heading to the train station Denver bound and he offered me a lift across the bridge as he was going which was a surprise as we had barely interacted.
Turned out he was in his late 40s and was living out of his car, but was friendly with the hostel owner so would use the parking when free, showers and common room. He also just could not afford rent in SF as a teacher in an elite music school there. He could not afford the gas and risk of breakdown costs of his old BMW to commute. Big guy needed a big car, the BMW looked nice but had low resale value. In the car he dropped all the fake-it-till-you-make-it as he explained his lot. I learned two important things.
Firstly he was the first person to explain to me how poverty just by itself causes otherwise capable people to make worse choices 'poverty makes you dumber than you are'. I think traders will grasp this very well of course. A few years ago I saw this research which is exactly what he had deduced about the effect of stress on your on average IQ.
"Scientists have discovered that being poor actually impairs our cognitive abilities.
Human mental bandwidth is finite. You’ve probably experienced this before (though maybe not in those terms): When you’re lost in concentration trying to solve a problem like a broken computer, you’re more likely to neglect other tasks, things like remembering to take the dog for a walk, or picking your kid up from school. This is why people who use cell phones behind the wheel actually
perform worse as drivers. It’s why air traffic controllers focused on averting a mid-air collision are less likely to pay attention to other planes in the sky.
We only have so much cognitive capacity to spread around. It's a scarce resource.
This understanding of the brain’s bandwidth could fundamentally change the way we think about poverty. Researchers publishing some
groundbreaking findings today in the journal
Science have concluded that poverty imposes such a massive cognitive load on the poor that they have little bandwidth left over to do many of the things that might lift them out of poverty – like go to night school, or search for a new job, or even remember to pay bills on time.
The condition of poverty imposed a mental burden akin to losing 13 IQ points
In a series of experiments run by researchers at Princeton, Harvard, and the University of Warwick, low-income people who were primed to think about financial problems performed poorly on a series of cognition tests, saddled with a mental load that was the equivalent of losing an entire night’s sleep. Put another way, the condition of poverty imposed a mental burden akin to losing 13 IQ points, or comparable to the cognitive difference that’s been observed between chronic alcoholics and normal adults.
Continues..."
https://www.citylab.com/life/2013/08/how-poverty-taxes-brain/6716/
Secondly he played taped cover by one of his young students (11 year old girl music prodigy) which he said he listened to often. This was his motivational BS, his go to song when short term decision making which unavoidably happened gave him a bad day. This is the original.