We knew. When we decided to get married we knew what we wanted. A nice house, not too big, but just enough to fit a family without a huge mortgage. Two kids, preferably a boy and a girl, but we weren’t picky. Jobs that allowed us the ability to grow professionally and gave us flexibility in our personal lives. We saved every penny we could for the future. For our children, for the vacations we would take, for the college educations, for the weddings and the unexpected things that might pop up. It was the unexpected things that caught us off guard. We always planned for things that would happen later. We always said we would do it later. We never dreamed “later” might never come at all.