Froggie and Sunrise, I do think basic needs like shelter over our heads and heath insurance are more priorities right now than saving huge amounts for retirement. And, Sunrise, I'm right there with you in the home improvement money pit. I have made this little "fixer upper" comfortable, with mostly improvements you can't see, like insulation in the attic, a new efficient heat pump, and rebuilding the substructure of the house! I couldn't sell it right now and recover these costs. There are several homes similar to mine for sale in my neighborhood for much less, showing no sign of selling. I console myself by being thankful for having a roof over my head!
Patty