Yes, yes, we all have excuses. I know that if I want to write, I will find the time. Or make the time.
Illness? Eh, no one wants to read about a bilious protagonist. Loss of a loved one? Not really necessary to advance the story. Plus, I like my supporting characters too much to kill any of them off (for now). Financial? That's it. She's losing her job. That's in addition to having broken up with a longtime boyfriend, having to compete with her arch rival on a huge career-making assignment, and stumbling into some clues that make her suspect an innocent man is being framed.
And I think there are yet more anvils waiting to fall on our girl.
* Geoffey Chaucer, The Canterbury Tales, The Monk's Tale.