Sorry to know about your predicament. 2008 mini-economic depression surely has destroyed many people's life. Always look at the big picture and keep an eye on the domestic/global economic situation and know when to get in and get out in any venture. No economic boom will last forever, the 100-year economic prosperity since the last Global Great Depression could be coming to an end and history could repeat itself, but hope we will not see another World War. Look at the mounting domestic/global debts, sluggish global economic growth among economic saturation. Economic boom of past 100 years was contributed by the robotic technological progress and continuous emergence of new products while the world was saturated with "have not buyers" but now those "have not" have become "sellers" while innovation is approaching the ultimate plateau. Quantum dot innovations could be the last opportunity before the next global economic downturn which in the past, preceded by a stock market crash. So be prepare, make your fortune before it happens. The 2008 event could just be a harbinger, or sign of things to come.