There are very few people who end up homeless at 67 who got there after making nothing but financially prudent choices their whole lives. I’d need to hear her whole life story, and from more than one source, before I’d swallow that line.
And if you make some financially imprudent choices, then you pay the price. You stack up good choices like crazy all your life to try to offset the occasional bad luck or bad choice. That’s the way the world works. Ignoring that is like trying to ignore gravity – it doesn’t work out.
