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There are thousands of baby boomers just like you that worked hard their whole life and now you see your standard of living going down if not totally gone. With the current economic state many people that thought they could retire and live well have found that either they will not live very well or that they can’t retire at all. With stocks and 401K’s bombing out what are you supposed to do? Do you keep on working and hope and pray that the market comes back far enough so that you can retire for real or even if it does will you be able to make retirement last if the market goes belly up again. You need to secure your own way of life and there is only one way to do it. Have you read Robert Kiyosaki’s book “The Business Of The 21st Century”? If not then read the book then get back to me and I will help you like I have others become free of worry!