How concerned should we be?

[RDamien]

I'm getting this question a lot. I'm no financial guru but I do pay a fair amount of attention to the topic. So be honest, am I staggeringly naive to not be overly concerned about all this?

I'm 37, have a hefty mortgage, a small HELOC an excellent combined income and most of my personal saving is in a 401k.

I'm mildly anxious at best. I'm not sure if that's prudent or foolish, a blessing or a curse.