OK, I'm Jim Smith from Somewhere in Northern USA. I've worked 34 years in my own business servicing freezefrugelers... quite successfully. For the past 4 years my wife and I have been planning on retiring to The Villages. She's 60 and I'm 62. I have hypertension and have had prostate cancer. They tell me I'm cancer free. She's pretty healthy and we have our health insurance through a local HMO which doesn't exist in Florida. In the past 2 years our home (it's paid off) dropped in value from 225,000 to 180,000 and our sole source of retirement, our 401-K has dropped from 500,000 to under 400,000. The experts tell us it'll bounce back. I can't get health insurance because I have a "pre-existing condition". Our assets are down over 20%. I feel I've done everything right for the past 34 years and we'd love to live in The Villages. Can we pull it off ? (I wonder how many people in the USA are in this boat? These are pretty good assets yet things seem too gloomy and frightening to move). What would you do?)