[cercis]

Here's the problem I've had with interest:

I had a 401(k) which was as diversified as I could get with the company choices - it lost over 40% of its value in one year. So, I ended up only getting out a little less than I actually put in it (I had to withdraw it, the company laid me off and were going to start charging me for "managing" it).

All of my investments end up that way. I can go with these nice wonderfully performing funds and as soon as my money touches it, it drops immediately. I've got the opposite of the Midas touch.

So ... the only way for me to actually save money is to stick with the most conservative investments possible, those pay all of 2% right now. I'll never make it to a million on that.

I expect to inherit quite a bit (I could be wrong, they could lose it all to final illnesses, etc). That will be what will get us through. Plus, we try to have at least one of us working for a gov't agency so we can get that pension. And, of course, we watch our health so we can work as late in life as possible.