In the past ten years I've been able to sock away nearly nothing in retirement due to the amount of time I've spent unemployed, and I'm currently 30. While I'm as affected by the market issues as anybody else, one side effect of stock prices dropping back to 1997 levels is that all the interest I thought I was missing out on, it turns out I wasn't after all.

Man, I wish I were twenty and had a good job now, buying my IRAs at the bottom of the market like this.