Market cycles are normal, but 2008 was not normal so people are resistant to claim it can happen again so easily because it's not likely.

She is the typical person that resist change, she is terrified of it, it's too much of a risk in her eyes.....so as as result she has been working the same dead end job for 15 years now. 

I would recommend Kansas City because I live here but have intimate knowledge about the history and the job market and what makes it so recession resistant. 

And resistance to becoming a more vertical city.  

@Rhonda WilsonThey are not too nice - most of the items chosen were chosen due to quality and indestructability - (from hardwood cabinets with solid boxes (no mdf so much more prone to resist water damage), prehung doors with solid oak jambs to resist damage or if they were damaged they are repairable vs engineered wood most folks put in etc - and I bought all of it for very good prices, sometimes for the same or less than the poor quality products or just mere dollars more - hard woods much more resistant to damage except for my one cabinet door and I know how it broke - I actually hypothesized it may happen when I did the kitchen layout due to how a door opens but did not think I'd find anyone dumb enough to make it happen. 

No one who has never had it before has ANY resistance or immunity.

This wiring is a fire hazard because of resistance issues and the point of contact. 

I've got to agree with @Shawn Q. that these neighbors are prime candidates for foreclosure: common-law hubby resistance, deteriorated house condition, inflated value expectations etc.

Some examples:If interest rates stay super low, dump the cash into the 5% property & refi at both a lower rate and lower balance, freeing up more cash flow.If the principle value of the investments tank but the dividends are safe (this is why I suggested utilities) you can still be seeing modest wealth growth.If an awesome deal comes along you can liquidate, if you've selected a diverse group of recession resistant stocks even a principle loss is unlikely to be crippling, allowing the liquidity you need to capitalize on an opportunity.I'm no stock pro, but I've been a subscriber to the motley fool income investor for several years now, I'd be happy to recommend some examples they are backing - or just subscribe yourself :)Oh and I just realized that my advice runs counter to common advice, which is the further from retirement the more you should think about ira investing.

And he's been very resistant to the idea of Zoom AA meetings.