Please, don't consider yourself a failure. Some people would give their leg for at least having a chance trying to do what you attempted to do . If you had not tried to have a business of your own you would have gone all your life thinking I wonder if I would have succeeded having my own business. So you took a chance in life and it didn't work out , well I tell you God has something better stored for you. Afterall, money is not everything, but your wife is worth more than money. She has been through alot and she has a wonderful guy like you that thinks the world of her. As for her disability, she can get it., alot of people get the first denial and then they have to appeal it and eventually get it, but having a degree has nothing to do with it. If a person is unable to carry the duties in her job like she was able to do before becoming ill and her physicians medical records, x-rays and surgery records testify to her disability the judge will reopen her case and probably allow for her to get her benefits. Which are in fact our own monies which we have paid into our social security. Take care of your wife and yourself as you both are at the prime of your lives and have time to make it in life. God Bless you both. I'm not that literate in grammar but I hope I made myself clear.