Bob is correct. Now is a good time to invest, when things are down, if you think they have sunk as low as they will go. I forgot to stash my 401K into a safe haven two months ago. I have lost more than a full third of my retirement fund, and retirement will now have to be put on hold until I make the money back in either the stocks rising far enough, or my adding more to the kettle as I go, at an excellerated pace, or extended length. Sucks to get old in soooo many little ways.
I have all the equipment I want, so I am not an unhappy old podge. Money is not the most important thing in life, but when retirement time comes round, it can be pretty persuasive-important! I just bought another new Eden power amp and I am considering giving myself some Roger hand-made LED knobs for my S II, at a hundred a pop - Merry Christmas. So money must not matter to me that much in the scheme of life going on these days. However, I seriously do not see any custom basses unloading in my little harbor in the near future. And that is fine.