Why are you surprised, much less sickened? This seems pretty normal. I love that he is 40 and only has (or had) 20k in savings! Now thats lack of foresight.
Of course I shouldn’t point the finger, my girlfriend is rounding the corner on 38 and has zero savings except her house. Imagine being in love with someone who’s worse off than the person that sickens you, man that hurts.