You know, my husband made a decision and almost bankrupted us because since I didn't know about it no changes in our financial life occurred. This went on for weeks if not months until it was almost too late to recover. We did recover but just barely. I was ready to leave him when a freind at work told me that everyone makes mistakes even me so I should forgive my husband and get over it. That friend recently had a birthday and I reminder her as I said congrats how she saved my marriage. she said no, God saved my marriage. It took YEARS to recover and that's why we weren't ready for retirement. But worse things could have happend. He could have died or become disabled. Our kids could have died or become disabled. What we lost was just money. Money can be replaced. Best of luck to you! Remember....everyone makes mistakes and it's just money.