Our case of the Mondays got worse when we read New York's feature on how much we'll need to never run out of money. There are various calculators and examples offered to figure out, given your lifestyle, how much will be enough so you can winter in fabulous places or think about just spending money on shoe soles to get where you're going. The sad thing is that if you are a middle-class New Yorker with modest expectations, there's no way you're living in Manhattan and living an exciting life. We felt as though the article was telling us, "Get thee to a nunnery in Queens or Staten Island!" And if anyone knows about a surefire pyramid scheme, you know where to find us.