In 2007 I had $100,000 in my IRA and $10,000 in savings. Then my job got downsized due to the government screwing up the economy. It took 3 years to replace my job and my savings are 0 and my IRA is 33,000. I am paying off the IRS penalties from living off my IRA and paying my daughter's medical bills without insurance. No government help is available because the government says she is not sick enough. She had to quite her LMT practice and move home and can't work. Now they want to tax my savings and steal from my 401K? The time has come to melt the phone lines to congress and tell them to show some backbone. I better not meet any of my senators or my congressman. It might get violent.