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Okay, I don't want to sound like your mother here but you've just got to stop living in the future and relax. Life throws stuff at you and you have to deal with it but in the moment, please! What you're worried about now isn't even a problem yet. 25 years?!!! You're worried about something that MAY happen in 25 years? What will probably happen is the stocks will rise. Yikes. There are people who aren't working. Whose houses are being foreclosed on. Whose unemployment will run out in a couple of months. Who have children in college. Whose credit is so shot when they have to leave their houses they won't be able to rent a place. Like me. What gets me through these crazy days is knowing that life has it's ups and downs. That I can't control and plan for everything. And that a nice meal, a warm, caring body next to me at night and hope can keep a person going when everything else is crashing in on them.