AA,
You're not ruined. I went out to dinner with a friend last night. Both of us are over 40 years old (he is 60!) with poor job prospects, maxed out credit cards, and liquidated all our retirement plans. Now, he does have a wife who has some money (they have mostly kept separate banking accounts but she has indicated she will put some of her inheritance into their joint account since he cannot contribute right now).
I wager you're in a better position even if this goes to 0. So life can and will go on!