Dear Mr. Berko: I'm 52 and have a good job with the same company since 1987. My wife has a part-time job while the children are in school. We have two cars, both paid for, a $138,000 mortgage on a home that is worth $220,000 in this market and $6,200 in savings. My retirement plan is worth $108,000, down from $178,000 two years ago. We have zero credit-card debt...