Gone? Or gone on paper? I don't retire for 20 years or more. I stuck 75% of my retirement money in low risk stuff a while ago to minize the bust. It'll even out in the recovery. Before the crash, I didn't have the money for 20 years, I still don't have the money for 20 years. If I were retiring soon, I'd be a lot more worried.



Is the scale of "boom" a constant? In my experience, it's not. When boom becomes inevitable, it gets bigger over time. Does putting it off make it go away, or does it just make it happen later and worse?