I went through this with my wife a few years back. We had to live in a single room for years to make ends meet.
10 years later, we are a family of four now in a three bedroom house that we will hopefully complete it’s payments in 5 years or so.
Difficulties can still happen but we will sail through it again if it needed.
People who do not backup their laptops or phones, then come complaint to me when they are unable to to access and get a photo when the device dies.