During this Cliff-ness Season, it's probably a good time to remember what's really important, courtesy of Paul Merriman:http://www.marketwatch.com/story/five-great-lessons-for-retirees-2012-12-25
Lesson 1: Happiness in later life is not a direct result of how much money you have.
Lesson 2: People who plan are likely to prosper.
Lesson 3: The quality of your life is shaped by the quality of the people in your life.
Lesson 4: In order to have a successful retirement, you have to still be alive and at least reasonably healthy.
Lesson 5: Active trumps lazy, every time. (not necessarily in investing though).
Half of what we know about investing is wrong -- unfortunately, we don't know which half.