What You've Been Thinking for Months Turns Out To Be True:

The final results are in now. It's official. The American economy is in a state of recession. The New York Times' headline reads, "Dow Plunges 680 Points as Recession Is Declared."

Now that's not like "war has been declared." It's not like the recession has just started. On the contrary, the recession, we are told, actually started about a year ago, in December of 2007. Surely, you're not missing the irony here, and if you didn't get it before now, you certainly realize that the stock market is governed by—caution, pun warning—pure speculation. Ouch! Well, retirement never did seem all that appealing, did it?

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