WTF!!

Wow, this economy is sure depressing! And, it doesn't help matters that I forgot to budget our mortgage payment for November. I was fat, dumb, and happy, looking over the balances on our back account and thought we were doing OK. Little did I realize that those numbers didn't factor in the missing mortgage payment! No wonder it looked so great! Doh! I'm such a dumba#@. I've pretty much got everything set up on auto-pay, so we wouldn't have missed the payment deadline, but I wouldn't have had enough money in the account to cover it. Super doh! Anyhow, after rerunning all the numbers, it's kind of bleak. LOL. Oh well, heaven forbid that we'd actually be making progress or any headway. Nevermind the stock market, but am talking about personal savings and the emergency fund, and so forth. Due to my budgetary error, we've definitely lived past our means this last month or two. In fact, I think our family is the poster family for living beyond our means. Oh, and I shouldn't have looked, but my 401k is down about 35% since the beginning of the year. Just over 1/3 of our nest egg has vanished. Well, retirement in 18 years probably will be pushed back to 23. Retiring at 57 (in 2027) was always in my master plan, but pushing that back to 62 seems likely right now, and that's depressing enough on it's own.