I lost a lot of money in my retirement plan and have a bout 15 years to make it up but, even if I don't I know that I'll get along just fine. I know how to be poor. I've been broke, homeless, unemployed and down a couple times but, I always manage to pick myself back up. I know how to live close to the bone.

I recommend a book, actually 2 books......Start Late, Finish Rich by David Bach and Total Money Makeover by Dave Ramsey. Lots of good information in these books and if applied the techniques work.

I live a pretty comfortable life now and don't worry about paying bills. I am an the road to being debt free except for my mortgage in 18 months.

Good luck to you all,