Single source of income is by definition at the mercy of the source. If one thinks that one could have had a disciplien to save, think again that savings has limitations. You can not save much as an employer and if you get screwed in your mid 30's, you don't have much savings to live off and also can not start over either. The only option is look for multiple incomes and if you are not capable, do not marry or take any personal commitments that affect other people. I know it sounds harsh but that's also make logical sense. Since you now have time, either save more or fight to change the situation so that the next generation of humans does not have to suffer this. Depressing but logical thought.