At the household level, debts can also have detrimental effects — particularly when households make spending decisions assuming income will increase, or remain stable, in years to come. When households take on credit based on this assumption, life events can easily change indebtedness into over-indebtedness. Such life events include unexpected unemployment, relationship break-up, leaving the parental home, business failure , illness, or home repairs. Over-indebtedness has severe social consequences, such as financial hardship, poor physical and mental health,  family stress, stigma, difficulty obtaining employment, exclusion from basic financial services ( European Commission , 2009), work accidents and industrial disease, a strain on social relations (Carpentier and Van den Bosch, 2008), absenteeism at work and lack of organisational commitment (Kim et al. , 2003), feeling of insecurity, and relational tensions. 
Note the scales are a bit different, so that the habitable zones of the Sun and of HD 40307 line up better (remember, HD 40307g is actually closer to its star than Earth is to the Sun – an AU is the distance of the Earth to the Sun, so HD 40307 is about AU from its star). What makes me smile is that the new planet is actually better situated in its "Goldilocks Zone" than Earth is! That’s good news, actually: the orbit may be elliptical (the shape can’t be determined from the types of observations made) but still stay entirely in the star’s habitable zone.
The old man was critically ill. He called his lawyer. "I want to become a lawyer," he said. "How much for a quickie law degree?"
"About $50,000," the lawyer said, "But why bother?"
"That's my business. Get me the course."
Four days later the lawyer delivered the new law degree. Suddenly the old man was wracked with fits of coughing, and it was clear the end was near.
"Please, before it's too late," said the lawyer, "Tell me why you wanted a law degree now?"
As he breathed his last , the old man whispered, "One less lawyer."