good luck with that save on your own. If the banks fail, there goes that save stuff. thats why they established social security to take care of people that lost all their savings in the crash. Those were hard times and social security was put in place so those soup lines would never occur again. There is nothing worse than listening to your gut make noise and hurt when you have not put any food in your mouth all week. and on top of it, your kids are starving too. People would do well to look at the past a little more openly before they start wanting to redo everything.