There are plenty of things in this world that can lead to temporary "set backs" - recently an event which led to a set back for me was the loss of my main "everyday work" laptop. I've replaced it and most of my data was backed up, but still it is a real pain in the butt to have to reset all of my personal account passwords and such - oh well - you live and learn.
Tonight a very wise man gave me a clue as to how to be successful in this world: make sure you have your PHYSICAL, MENTAL and FINANCIAL life in check.