I hope you're wrong too. It's the old "hope for the best, prepare for the worst" situation, and I wonder philosophically how much we impact the outcome by our own expectations. So I try to stay positive about it all, but also want to do what I can not only to prepare myself but to encourage others to diversify -- not just out of traditional savings, but in terms of earning income from more than one source and so on. A new world is developing before our eyes, and I believe it empowers the individual more than ever before. But if that's what is happening, then individuals will need to take a lot more responsibility for things, and I'm not sure how many people want that.

Thanks to you also for the great feedback. This is a good community to be part of as we navigate into this new era.