Good news from my investment broker

1. If all you do is max out your retirement contributions each year (IRAs, 401ks, etc) you'll be set for a comfortable retirement. I've been doing that for the past few years, so that's something.

2. COBRA is like having free health insurance because if a major medical disaster does happen, you have up to 2 months after the last day of your final month to buy coverage. That means I'm completely covered until I'm under SAIS coverage (which, admittedly, is not that good).

3. Andrew assuaged me of my guilt for spending some of my reserves on school, and point number one really helped decrease that emotion.