All was going well until life dealt us a series of setbacks. First was the fraud perpetuated by my employer, MCI/WorldCom. This had a negative effect on our finances, but was survivable. The second was a work related injury that left my son-in-law unable to support his family for more than four years. We stepped in and supported our daughter and grandchildren until they could resume normal lives. This support put our retirement in jeopardy. The third setback was the collapse of the real estate market and the losses we all took in our stock market driven retirement accounts. This was devastating to our retirement planning and required that we make a new plan for retirement.