Write down somand some of the dreams you still want to hold on to if possible, even if they have to change somewhat now that your world is different. Include as many as you can think of - buying a new car, being able to keep your home or have enough money to move if necessary, paying for your children's education and weddings, being able to retire comfortably.

Working through these four basic steps should give you a pretty accurate picture of your overall financial picture.