Great post.  Complete alignment and exactly the advice I would provide.  What this couple needs the most is a serious sit down and then some moral support from you, me, Rick below, or someone else like minded who has lived this and is truly independent with no product to sell.  These folks have great potential for true financial independence and have to take direct control of their financial lives.  Hubby has to risk-mitigate his work situation.  It is by far the current weak link in their situation.  Perfect time for them to move into a mode of controlling their lives and protecting their family in a way most people will never  experience.