This morning I decided to go ahead and switch what remaining money we did have in our retirement accounts into "safer" investments.

I looked at my own IRA (which is down 20% from last year) and realized in order for it to go back to what it was, I'd need a 40% gain. Which I don't think is likely.

So I took 2K of the 3K and moved it to a Treasury Money Market fund.

Then with DH's TSP, in January it was at $17K, its currently at $16K even though we've put away $145/mo, and moved the $16K to the 'G' fund.

The monthly amount we put away in savings will still be going to the original funds, I'm invested in a Balanced Strategy fund, Capital Growth, and Science and Tech fund which is still about $1000 among those funds... and he is in a Lifecycle 2040 fund... BUT my thinking is, regardless if things get worse or better - I want to be confident that the money I do have is safe. So instead of focusing on the losses we've incurred in the past year, my focus is on protecting and securing the money we do have. So just knowing we have $18K PROTECTED in our retirement accounts gives me peace of mind.

I don't know what the future may hold, but I do know that things will be okay and with the $4K that is coming to DH in 2 weeks I'll be making sure that money is safe and put aside for emergencies while making sure our current needs are addressed & the credit card gets paid down.