Well I think it's reasonable to dump most of whatever isn't mentioned in conventional advice into the 'exceptional circumstances' bucket. They are anything that brings you off of the conventional happy path of normal income, normal job, normal career and life progression that isn't the result of your decisions after adulthood.
You seem intelligent - It looks like you've figured out how to compensate for the less than optimal hand that you were dealt. It's up to everyone else to figure it out as well. I have little sympathy for anyone who can't and I'd expect the same for anyone's opinion of my situation if something horrible and unforeseen were to happen to me.
You seem intelligent - It looks like you've figured out how to compensate for the less than optimal hand that you were dealt. It's up to everyone else to figure it out as well. I have little sympathy for anyone who can't and I'd expect the same for anyone's opinion of my situation if something horrible and unforeseen were to happen to me.