While I know losses will be recouped and I have time for my retirement, I still feel I'm better off paying off/down debt and making visible progress rather than having that investment wiped out when the stock market blinks. That said, I need to better research the funds that my Roth IRA are in. They've done essentially nothing since April 2007 when I bought in an uneducated manner -- i.e. broker told me to. Eek.
Also, will be two months Sunday and my student loan consolidation is still in the cert phase. What.A.Mess!