[Washi]

Tough to answer without the missing salient fact: your age.

I just turned 43.

[Focault's Pendulum]

Also if you mail me your town and state info I might be able to recommend someone in your area who specializes in them.

[Petronski]

I personally don’t think you should change a thing. You are looking at a 20-year time horizon to retirement, and have already suffered the bulk of the losses (IMO). I foresee a bottom around Dow 5000 as an absolute worst case.

Realize, though, if you are tired of riding the market, you CAN, as others have said, take the money out of the market without taking it out of the 401k; or further, you can take it out of the 401k without paying it therefore onto your debts.

I think rushing to pay your debts is a bad idea, even if—especially if—you are leaning toward the apocalyptic side of the outlook. If you truly foresee the worst possible scenario ahead, take it out into cash on hand and HOLD it.

[Petronski]

Ultimately, if you’re losing sleep and/or developing an ulcer about the market, you should take the money out of the market and put it in something safer.

Stress is poison, and that kind of stress is especially toxic.