For millions of people their unemployment benefits will run out in June/July 2010. Any retirement savings or plans will be drastically changed. Times, they are changing for many people who did not plan well, or for those that planned, still find themselves wondering. Many people choose to 'enjoy life' while they are younger, other planned to 'enjoy life' when they retired. For the ones that waited until retirement to 'enjoy life', well, maybe not just yet.