OKAY FOLKS, I'VE TURNED OVER A NEW LEAF! I'M RETIRED. I WAS SELF EMPLOYED FOR 54 YEARS WITH NO EMPLOYER PAYING HALF OF MY FICA. I PAID THE FULL SHOT!!! I DIDN'T LIVE HIGH ON THE HOG AND INVESTED IN CONSERVATIVE FUNDS IN THE MARKET AND BUILT UP A NICE PORTFOLIO FOR ME AND MY WIFE. WEEEEEL GUESS WHAT JUST HAPPENED? I TOOK A HELL OF A HIT AND THE VALUE OF MY PORTFOLIO IS WAAAAY DOWN. SO TODAY I LIVE OFF SOCIAL SECURITY AND SOME INVESTMENTS MADE OUTSIDE OF THE MARKET. I WONT TOUCH MY PORTFOLIO BECAUSE THE MARKET WILL COME BACK I JUST HOPE I HAVE THE YEARS LEFT TO ENJOY IT WHEN IT DOES.