more bad news...

[judy]

They really suck Haley! I don't think I would believe them, but you are right - you would have lost it anyway.

By taking charge of your own money, I think you are so smart. You are very practical and responsible, and have a good head for money. I admire you for that.

I just wish you might stop being so anxious about the future and your retirement. You are doing all the right things, and the rest is simply out of your control. You're also young and have years before you need your retirement fund. Financial people are all saying it will get better in time. It's also going to get worse first.

It is what it is, and there's not one thing we can do about it. So, say it turns around after a few years = you would have spent those years being frustrated
for nothing!

Maybe you could try to learn to enjoy one day at a time. Easier said than done, but with Micah, I think you can enjoy him all the time.

Look at Janet's signature quote. It's so important to do that.

In the end, it's God's will anyway. Trust in him.