Excerpt: [I]t's easy for someone who is 25 years from retirement just to ignore the current gyrations, but if you're going to actually need that money? Or you already do? It's hard not to look. And what you see when you look probably isn't pretty. In fact, you probably feel angry, and fearful, and powerless to do anything about it. But there are a few things you can do to minimize the damage, and maybe even come out a bit ahead.  MORE >>