A certain amount of adversity in life stimulates us to greater achievements, but too much adversity wears us down and eventually crushes us.
ad (to)#vertere (to turn) (Latin)
After UNIversity when you are jobless, you are in ADversity (misfortune, great hardship). Adverse-bad; now add ary it becomes opponent; add city it becomes. difficult time. so, ary and city