Cure:
(1) Go to retirement seminar.
(2) Project your life expectancy
(3) Determine where/how you want to live and project the needed cash flows
(3a) Re-calculate with the impacts of health care reform and potential for long-term care premiums
(4) Examine current financial and real assets, investment/savings program, needed savings rates to meet you target figure
(5) Look at current expenditures to see where you can cut 10% to divert to savings/investments
(6) Look at current household goods to see what you can sell

...then...look at your current bike. Does it work? Keep riding...