The first visible signs of the economic crisis are starting to show up around here.  I passed several gas stations today where unleaded was $3.09.  My 401(k) is 32% down for the year.  However, I’m optimistic.  I’m good at my job and make a decent wage; so does Melissa.  We don’t plan to retire for at least another 25 years, and don’t have debt other than our mortgage and cars.  I just hope that the market gets strong during the next 10 years so that Ryan (and seven years after him, Zachary) will have plenty of money for college.  If you aren’t too strapped already, this is probably a great time to think about investing in funds or companies you believe will bounce back.  Don’t listen to financial talking heads; aside from a few like Robert Reich I think they’re mostly air.