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First of all, you are not the only person to have lost a lot of value in their retirement account. You have 25 years to recover those losses... relax. You and your husband should have a financial planner (I suggest a fee-based planner with a CFP designation) that you meet with regularly, like every other year or upon an important change in your life, such as marraige, children, divorce or retirement. The planner should be able to provide you with a projection of how much you have, how much you need and what changes you will need to make to meet your retirement income goals. They could range from increasing savings, to decreasing expenses, to delaying retirement. S/he should address other important aspects of your financial health. S/he should not pressure you to purchase anything from her/him... although, if you feel that your planner has done a great job, you may want to work with him/her to implement your plan because s/he's already shown competence and reliability. Then you should take the plan and go with it, follow its guidance, save where you need to save, cut back where you can... its amazing how relaxing it is to have a plan.
