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You have 25 years to retirement??? Think of it this way: if the market and your investments do not rebound in 25 years and produce reasonable returns, then you won't need to worry about retirement accounts because it will mean that civilization as we know it will have ended. Your only worry will be making sure that your cave and tribe are secure from invading hordes.
Now if you were 60 and planned to retire after the first of the year, I would probably advise you to panic big time.