i spent almost 18 years being depressed and guilty and during that time (and even way before that) i did not pay much attention to my financial future. i just had no interest in money matters and there was no one to guide me. but as i am getting older now, the reality of preparing for old age and all that that means, is coming at me now. i feel i have lost 20 to 30 yrs where i could have put my savings to better use... i know i can only go forward..i am just a little mad at myself right now and the future is a little scary..