You know, regular folks are hurting in this economy - they feel the pinch of rising costs and rents - it is not uncommon to see people at the roadside holding up boards asking for financial help to buy food and such - at the same time I see people encouraging others to live for the moment and forget about saving for a rainy day as it will all work out - I am not judging but as you age and there are health and other issues bearing down, I still think it is risky to believe that it will work itself out -