Um, 10% of my retirement savings gone in the last year? And that's with a fairly conservative investment strategy.

However, I tend to be a "bite the bullet" kind of person. Sooner or later we're going to have to deal with our national credit addiction, and it's not going to be pretty no matter when we do it.

I guess it comes down to whether you prefer boom today or boom tomorrow. Because, sooner or later, boom.[1]

[1] For values of "boom" approximating the Great Depression.