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"I'm too chicken to admit to my husband that I screwed up my retirement savings."
If she has reason to fear her husband, that's one scary relationship. If she fears abuse of any kind, she needs to get out.
If she fears having made a mistake (which I don't think she did, she's just temporarily fucked financially like most people), that's a different issue entirely and she needs to figure out why she freaks out over the perception that she made a mistake. I wonder whether it's linked to fear of her husband or whether it goes a lot farther back than her married years.
If she fears having no money in retirement, then she needs to educate herself on how investing in stocks works. Plus, she said that she is at least 25 years away from retirement.
Sounds like the LW has more anxiety issues and more marital issues than financial ones.