 That's if you can ever get back to even. When we look at losing money due to economic declines, it's more than just the value of the retirement accounts lost. As I said, it's also the element of time, and no one can place a value on that. The older we get, the more valuable that time is, simply because we don't have the same time left to live. That's what we address in our risk reduction strategies, and here's how we manage it.