Assistance can include grants for temporary housing and home repairs, low-cost loans to cover uninsured property losses, and other programs to help individuals and business owners recover from the effects of the disaster.

WHITEHOUSE: President Obama Signs Vermont Disaster Declaration

These declarations also make federal assistance available directly to affected individuals, including temporary housing assistance, low-cost loans, and other resources to help cover uninsured losses.

WHITEHOUSE: The White House

Those on a budget who can't get coverage through a parent or employer can buy low-cost, high-deductible, or catastrophic, policies that cover things like hospitalizations and offer access to doctors at discounted rates.

WSJ: Health Care in Your 20s: Know the Basics

The two men agree that these are best addressed by requiring all but the smallest companies to provide health insurance for their employees, by the provision of tax breaks for people who can not afford to buy cover and by setting up a (relatively low-cost) federally-backed insurance system that anyone could opt into if they choose not to go the private route.

ECONOMIST: Can Barack Obama and Tom Daschle fix American health care?

If some day you do reach the happy position of achieving your retirement savings objectives, you can reduce stress even further by putting some of that money into a low-cost annuity that will guarantee you a certain level of income for the rest of your life (options that cover a surviving spouse, or are indexed for inflation, are available but reduce annual income).

FORBES: Retirement