When things go from bad to worse?then get better

When you come across a worst case scenario -- say someone who had a well-paying job but fell on hard times and lost everything ? do you think of that person as an outlier, or an example of what can happen to anyone? The other day, I heard about Jo A. Del Rio, a former Merck employee. She brought home an annual salary of $80,000 until January, 2004, when she was laid off during downsizing. Soon after, a series of medical problems depleted her financial reserves, and she ended up living in a shel