are any of you following ray lucia's buckets of monet theroy? if so how are you doing.? lucky I put a little over half of mine and my wife's non pension money is fixed income, so we are ok for 10+ years. I hate to even look at the amount that is still in the market. I hope 2009 is better to us than 2008. we are only 55 and have a long way to go yet.