[Stardust]

Uggh, I won't lie, I fear it. I work for a company that believes puts its entire existence into the future of their customers and those customers ability to retire comfortably. But I as an 18 year employee of the company, felt the same devastating affects of of the 2007 crash of the market that I have yet to recover fully from. Were I had literally hoped to be in position to retire by 50, I have now woke up to see that though my finances may recover, they may never recover to the point of offsetting where expenses are headed.