Having a long term goal is the only thing that keeps us on track. If the goal is realistic, chances are that it will come to fruition. There will be obstacles, diversions, and failures - but that is part of having a successful life.
With the recent market debacle, having a long term plan will make you a winner. Warren Buffett, the richest stock investor in the world, is a shining example of patience. At these stock market levels, Buffett is on a bargain hunt and knows, with great probability, that he will make money - lots of money. It was only 9 months ago that he said there were no bargains in the markets; he kept to the sidelines, and waited for an opportunity like this.
If you think the US will go into a severe recession or depression, then you need to move to a Third World country. Let the optimistic individuals live with this great opportunity at hand.
In the martial arts, having a long term goal is attaining a Black Belt. The benefits (weight loss, great self defense skills, and a healthier lifestyle) outweigh anything I can think of .
Keeping on track on attaining a Black Belt will buffer you from panic situations - most often from a surprised attack or even health problems.
It is your choice on what to do with your life - you only have one, and it is short indeed. Use it wisely, and protect yourself and live a healthy lifestyle.