Im 38 and i'm not really concerned about my retirement, so don't panic. The 20k I w/d was only a small fraction of my balance. And not to give people the wrong impression, but money is really not a problem for me. I come from a family of money. Now that said, I DON'T live on Dads money so please don't get the wrong idea. I work 50-60 hrs a week even though I don't really need to. And I already have a big screen TV.