Cut back on withdrawals. Make a pact with yourself—and your spouse, if you have one—to live on the same amount you withdrew in 2008. You may have to make a few changes to your standard of living, postpone a vacation, a new TV or scale back your household budget, but it's a relatively painless way to ride out the storm. Once the market rebounds, you can reassess and increase your withdrawals.
Also, consider taking a part-time job. It should be something you enjoy, and it'll help fill in the blanks until your investments rebound.
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